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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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Author:
Matt Rej
PetExec Payment Processing Review (What Users Need to Know)
August 8, 2025
PetExec is an all-in-one operations management solution for pet businesses. It handles everything from scheduling to reservations, financials, staff management,…
Massachusetts Credit Card Surcharge Laws (Updated for 2025)
August 7, 2025
Massachusetts has one of the strictest credit card surcharge laws in the country. While the outright ban might seem straightforward,…
Refunds vs. Reversals in Payment Processing: Key Differences
August 6, 2025
Refunds and reversals sound similar, but they aren’t quite the same thing. While both actions effectively cancel a sale, there…
Shift4 Payments: Rate Increases, Fees, and Updates (2025)
August 5, 2025
Here at Merchant Cost Consulting, we’re always staying up to date with the latest updates, fees, and rate increases from…
Settlement Funding Fee – Legit or Junk? (Payment Processing)
August 4, 2025
If you’re reading your merchant processing statement and spot a Settlement Funding Fee, it’s a red flag, and this post…
mPower Beverage POS Review: Pros, Cons & Payment Processing
August 3, 2025
mPower Beverage is a popular liquor store POS software that’s built for retailers in the beer, wine, and liquor space.…
Iowa Credit Card Surcharge Laws (2025)
August 1, 2025
Iowa’s credit card surcharge laws are very straightforward. Here’s a quick overview of the key points: That’s the short version,…
Fiserv Review: Pros, Cons, and Fees to Look Out For (2025)
July 31, 2025
Fiserv (formerly First Data) is one of the largest payment processors in the world. They handle over 25,000 transactions per…
Payment Processing Industry News — July 2025
July 29, 2025
July was a busy month in the payments space. We saw multiple rate increases, new products, new strategic partnerships, and…
How Stablecoins Are Shaking Up the Payments Industry
July 28, 2025
The recent passing of the GENIUS Act has accelerated momentum for stablecoins, as they’re quietly moving into the mainstream payments…
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