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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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Book Consultation
Credit Card Processing
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…
How to Tell If Your Processor’s CEDP Compliance Is Legit
May 12, 2026
If you’re a B2B merchant accepting commercial credit cards, your processor probably has something to offer to help you qualify…
What Rate Creep Looks Like in Payment Processing
May 10, 2026
Rate creep has become one of the biggest problems in the world of credit card processing. Your business accepts card…
Get Interchange-Plus Pricing Without Switching Providers
May 8, 2026
There’s a common misconception among merchants on flat-rate credit card processing: they think the only way to get on interchange-plus…
9 Expensive Mistakes That Increase Payment Processing Costs
May 6, 2026
Saving money on credit card processing doesn’t happen automatically. And lots of merchants make mistakes that actively work against them.…
SpotOn Payment Processing: Fees and Rate Increases (2026)
May 4, 2026
SpotOn is an all-in-one restaurant POS software that provides hardware, operations tools, and payment processing under one roof. They recently…
How to Qualify for Visa CEDP Rates (2 Ways)
April 30, 2026
It’s been a full year since Visa officially introduced its Commercial Enhanced Data Program (CEDP). Under CEDP, eligible merchants can…
Fiserv Credit Card Processing Fees and Updates (2026)
April 29, 2026
FISERV regularly updates its interchange fees for credit and debit card processing. Our team at Merchant Cost Consulting keeps a close…
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