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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.
Company
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About Us
Leadership
Learn more about our expertise.
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Questions? We have answers.
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Referral Program
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Case Studies
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Book Consultation
Author:
Matt Rej
What’s a Good Rate For High Risk Credit Card Processing?
September 1, 2025
A good rate for high-risk processing is usually around 3.5% to 4% effective, while anything above 5% means you’re likely…
Credit Card Surcharge Laws by State (Updated For 2025)
August 29, 2025
There’s a lot of misinformation and conflicting facts about surcharging laws in the United States. In an effort to clarify…
Visa Commercial Enhanced Data Program (CEDP) Fees Explained
August 28, 2025
On April 12, 2025, Visa introduced its new Commercial Enhanced Data Program (CEDP). Here’s everything merchants need to know about…
Michigan Credit Card Surcharge Laws (and Tax Rules) – 2025
August 27, 2025
Credit card surcharging can be a complex topic. Surcharge laws vary by state, and even in locations where it’s legal,…
Payment Processing Industry News — August 2025
August 26, 2025
August was a busy month in the payments space, particularly in terms of rate increases and new fee announcements that…
WaveOrtho Review: Pros, Cons & Payment Processing (2025)
August 25, 2025
WaveOrtho is an orthodontic practice management solution that combines everything from imaging to patient communication and treatment planning into a…
Fiserv Credit Card Processing Fees and Updates (2025)
August 24, 2025
FISERV regularly updates its interchange fees for credit and debit card processing. Our team at Merchant Cost Consulting keeps a close…
Nebraska Credit Card Surcharge Laws (2025)
August 23, 2025
Unlike other states that have complicated or conflicting surcharge laws, the credit card surcharge laws in Nebraska are relatively straightforward.…
Is No Fee Credit Card Processing Legit? What You Need to Know
August 22, 2025
The idea of free credit card processing sounds great. Who wants to pay thousands of dollars in transaction fees when…
Why Businesses Should Never Lease a Credit Card Machine
August 21, 2025
Equipment leasing is one of the most expensive mistakes that businesses make when setting up credit card processing. I’ve seen…
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