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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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Credit Card Processing
Shift4 Annual Service and Maintenance Fee Explained (2026)
June 9, 2026
Shift4 is changing the way they charge annual fees on select merchant accounts in 2026. Previously, they billed two separate…
7 Ways Processors Make Statements Harder to Understand
June 8, 2026
Merchant statements are difficult to understand, and that’s 100% by design. Processors make these statements intentionally confusing because it’s easier…
Global Payments Rate Increases, Fees, and Updates (2026)
June 6, 2026
Global Payments Integrated regularly sends notices related to fee increases and other important statements to customers. Our team here at…
Tiered Credit Card Processing (Why You Should Avoid It)
June 5, 2026
Tiered credit card processing is a pricing model where your processor sorts every transaction into one of three buckets and…
Does Visa CEDP Apply to Your Business? Exclusions Explained
June 3, 2026
Visa’s Commercial Enhanced Data Program (CEDP) has been a hot topic in the payments world over the last year, and…
Locked Into Processing Contract? You Have Options
June 2, 2026
It’s frustrating for merchants to realize they’re overpaying on credit card processing while they’re in the middle of a contract. …
Shift4 Payments: Rate Increases, Fees, and Updates (2026)
June 1, 2026
Here at Merchant Cost Consulting, we’re always staying up to date with the latest updates, fees, and rate increases from…
Debit Card Interchange Rates (2026)
May 25, 2026
Debit card interchange rates are more complex than most businesses realize. Whenever a PIN debit transaction is run, it gets…
Hidden Cost of Value-Added Services (VAS)
May 20, 2026
Value-added services (VAS) are the fastest-growing fees in the payment processing industry right now. And for a lot of merchants,…
Amex OptBlue Rates & Interchange Qualification (2026)
May 19, 2026
American Express OptBlue is a pricing program that lets small and mid-sized merchants accept Amex cards through their existing processor…
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