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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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Category:
Credit Card Processing
Amex Support Fee (Shift4) – Legit or Junk?
November 6, 2025
If Shift4 is your payment processor and your business accepts American Express cards, there’s a good chance you’ve got an…
Stop Overpaying for High Risk Credit Card Processing
November 4, 2025
High risk credit card processing costs more than basic payment processing. But just because you have a high risk merchant…
Alabama Credit Card Surcharge Laws (2025)
November 3, 2025
Whether you’re running a business in Alabama or you’re a local customer, understanding the state’s surcharging laws is a must.…
Shift4 Payments: Rate Increases, Fees, and Updates (2025)
November 2, 2025
Here at Merchant Cost Consulting, we’re always staying up to date with the latest updates, fees, and rate increases from…
North (American Bancard) Payment Processing Rates – 2025
October 30, 2025
North (formerly North American Bancard) updates its interchange rates and merchant fees on a regular basis. To keep our readers…
Global VPN Fee – Legit or Junk? (Payment Processing)
October 27, 2025
If you’ve spotted a Global VPN Fee on your merchant statement, you have a good reason to question it. This…
Wells Fargo Merchant Services Rates and Updates (2025)
October 25, 2025
If you’re using Wells Fargo Merchant Services to process payments for your business, you can use this page to stay…
North Dakota Credit Card Surcharge Laws (2025)
October 23, 2025
Credit card surcharging is legal in North Dakota. The state doesn’t have any unique restrictions on surcharges, which means merchants…
Mastercard Transaction Processing Excellence Fee Program
October 21, 2025
If you’re looking through your monthly processing statement and notice line items related to Mastercard’s Transaction Processing Excellence Fee (or…
Automatic Interchange Optimization is Over: What to Do Now
October 18, 2025
Credit card processors have been offering automatic interchange optimization services to businesses as a way to help them qualify for…
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