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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 Merchant Fees
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…
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…
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…
Global Payments Rate Increases, Fees, and Updates (2026)
September 24, 2026
Global Payments Integrated regularly sends notices related to fee increases and other important statements to customers. Our team here at…
The $0 Fees on Your Merchant Statement Still Matter
September 23, 2026
Most merchants skim right past a line item showing a $0.00 charge. There’s nothing to pay, so it doesn’t seem…
Visa DCAP (Digital Commerce Authentication Program) Fees & Savings
September 22, 2026
We often focus on interchange optimization for commercial cards and B2B sales. But even some consumer transactions can qualify for…
How to Get Lower Worldpay Rates (Without Switching)
September 20, 2026
Worldpay has been getting more aggressive with its pricing tactics. It’s frustrating for merchants, especially if you’re among those getting…
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