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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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Referral Program
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Book Consultation
Credit Card Merchant Fees
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…
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…
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…
Infrastructure Upgrade Fee: Cost and How to Get Rid of It
May 17, 2026
If you’ve just spotted the Infrastructure Upgrade Fee on your merchant processing statement, you’re dealing with a bogus charge that’s…
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…
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…
Elavon Non-Qualified Volume Fee Explained and How to Remove It
April 21, 2026
If your business uses Elavon for credit card processing and you see any variation of OTHR NQ VOL FEE on…
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