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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.
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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
Card Present vs. Card Not Present Transactions
September 19, 2023
On the surface, the difference between “card-present” transactions and “card-not-present” transactions may seem obvious—the card was either present when the…
ACH Return Codes Explained
September 18, 2023
ACH return codes identify why the bank or ACH operator returned an ACH payment. Every ACH code begins with the…
Payment Processing Industry News – September 2023
September 17, 2023
In addition to helping businesses save money on credit card processing, the Merchant Cost Consulting team is always keeping a…
How to Accept Credit Card Payments Over the Phone
September 15, 2023
I’ve recently encountered many business owners facing the same problem—they don’t know how to accept credit card payments over the…
Can You Pass Merchant Fees to Customers?
September 11, 2023
Credit card processing fees are a pain for merchants. Merchant fees cost businesses more than $100 billion per year—and that’s…
Paya Rate Increases, Fees, and Updates (2025)
September 7, 2023
Paya is a US-based payment processor that offers integrated payment solutions for businesses. Here are the latest rate increases and…
15 Reasons Credit Cards Get Declined
September 6, 2023
If your business accepts credit cards, you’re going to process some transactions that get declined. But understanding why credit cards…
Payment Processing Industry News (August 2023)
August 24, 2023
As always, our team here at Merchant Cost Consulting keeps a close eye on the payment processing world. From new…
How Recurring Payments Affect Credit Card Processing Rates
August 23, 2023
Setting up recurring payments has become a popular and profitable way for businesses across multiple industries to generate ongoing revenue. …
What is a Qualified Processing Rate?
August 16, 2023
Qualified processing rates refer to the merchant fees that a business pays for a specific type of credit card processing,…
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