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How it works
Review
We analyze your statements for free.
Restructure
We negotiate directly with your processor.
Monitor
We protect your savings with monthly audits.
What is a Merchant Consultant?
Find out exactly what merchant consultants actually do.
Solutions
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Industries We Serve
Automotive
Dealerships, repair shops, suppliers, and more.
Healthcare
Medical practices, dental offices, clinics, and surgeons.
Hospitality
From boutique properties to large-scale resorts and hotel chains.
Others
High Risk Processing, Property Management, International Businesses.
E-commerce
Online retailers and wholesalers.
Non profit
Charities, foundations, and 501(c) organizations.
Food & Beverage
Restaurants, bars, cafes, and franchises.
Government / Municipality
City Offices, County Services, Public Works, Building Departments.
Retail
Department Stores, Specialty Shops, Jewelry Stores.
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Book Consultation
Author:
Matt Rej
Visa Non-Qualified Consumer Credit Fee Explained
July 2, 2025
Seeing any “non-qualified” charge on your processing statement usually indicates you’re paying more than you should for those transactions. The…
Payment Processing Industry News — June 2025
June 26, 2025
June was a relatively normal month in the processing world. Every story since Global’s announcement to acquire Worldpay back in…
Idaho Credit Card Surcharge Laws (2025)
June 25, 2025
Idaho has some of the most straightforward surcharging laws in the country. That said, it’s still important for both businesses…
Should Your Business Use a PayFac For Credit Card Processing?
June 24, 2025
Payment Facilitators (PayFacs) have exploded in popularity in recent years. Platforms like Stripe, Square, and PayPal make it easy for…
North Carolina Surcharge Laws (Updated With New 2025 Bill)
June 23, 2025
North Carolina’s current credit card surcharge laws are relatively straightforward compared to other states. But that could be changing in…
Mastercard Flex Program (MFP) Fee Explained
June 23, 2025
Some businesses are starting to see Mastercard Flex Program Fees popping up on their credit card processing statements—a fee that…
Critical Payment Security Key Updates & Deadlines (July 2025)
June 17, 2025
Visa, Mastercard, American Express, and Discover have all issued critical updates to their security certificate systems, requiring immediate attention from…
Shift4 Payments: Rate Increases, Fees, and Updates (2025)
June 16, 2025
Here at Merchant Cost Consulting, we’re always staying up to date with the latest updates, fees, and rate increases from…
Rhode Island Credit Card Surcharge Laws (2025)
June 11, 2025
Despite its small size, Rhode Island has some pretty specific rules when it comes to credit card surcharges. While other…
Fortis Payment Processing Review Review (2025)
June 10, 2025
Fortis is a smaller payment processor compared to market alternatives. They tend to serve B2B companies and businesses seeking an…
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