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How it works
Review
We analyze your statements for free.
Restructure
We negotiate directly with your processor.
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We protect your savings with monthly audits.
What is a Merchant Consultant?
Find out exactly what merchant consultants actually do.
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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.
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High Risk Processing, Property Management, International Businesses.
E-commerce
Online retailers and wholesalers.
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Charities, foundations, and 501(c) organizations.
Food & Beverage
Restaurants, bars, cafes, and franchises.
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City Offices, County Services, Public Works, Building Departments.
Retail
Department Stores, Specialty Shops, Jewelry Stores.
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Credit Card Processing
North (American Bancard) Payment Processing Rates – 2026
October 15, 2026
North (formerly North American Bancard) updates its interchange rates and merchant fees on a regular basis. To keep our readers…
How to Fix Common CEDP Errors
October 11, 2026
CEDP error codes just tell you which rule failed Visa’s validation. But they don’t say which system broke things behind…
Agentic Commerce Chargeback Liability Explained
October 10, 2026
AI agents are already buying things on behalf of real cardholders. Research suggests these agents will orchestrate $1 trillion in…
Small Ticket Per-Item Fees Add Up Quickly
October 9, 2026
Percentages and basis points typically dominate the conversation when you’re negotiating credit card processing fees and comparing rates between providers. …
Fiserv Error Results in 43% Effective Rate
October 7, 2026
I’ve reviewed a lot of merchant statements over the years, but this one is near the top of the list…
Why Low Discount Rates Can Still Mean High Effective Rate
October 6, 2026
Merchants who negotiate a cheap discount rate on credit card processing aren’t always getting a good deal. Because the discount…
Yes, Your Chargeback Fee is Negotiable
October 5, 2026
If you saw a $25 chargeback fee on last month’s processing statement, it’s nothing to lose sleep over. That’s just…
Fleet and Fuel CEDP Error Codes
October 3, 2026
Fleet and fuel transactions have more CEDP validation checks than anything else in Visa’s enhanced data program. As a result,…
Mastercard TLID Requirements for Recurring Billing
October 1, 2026
For businesses that keep cards on file and charge them later, Mastercard is changing its requirements starting October 23, 2026.…
What High-Volume Credit Card Processing Pricing Looks Like
September 30, 2026
Businesses expect a discount on credit card processing at a high volume. And it’s often deserved. When you’re processing millions…
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