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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
Visa Never Approve Fee Explained
August 5, 2024
If you’re reviewing your monthly processing statement and stumble upon a Visa Never Approve Fee, you might be wondering what…
Texas Surcharge Laws For Credit Card Transactions (2025)
July 26, 2024
There’s a lot of misinformation on the web about the credit card surcharging laws in Texas. Some sources say it’s…
Visa ISA Fee Explained (International Service Assessment)
July 23, 2024
Wondering why some Visa transactions are more expensive to process than others? There are lots of different factors that impact…
CardConnect Fees and Updates For Payment Processing (2025)
July 20, 2024
Our team here at Merchant Cost Consulting is always monitoring the latest interchange fees from payment processors and card networks…
Chargeback Time Limits For Cardholders and Merchants (Ultimate Guide)
July 19, 2024
Last year the global payments ecosystem had over 238 million chargebacks. This number is expected to reach 337 million by…
What is Buy Now Pay Later (BNPL) and How Does it Work?
July 16, 2024
The concept of Buy Now Pay Later (BNPL) has been around for hundreds of years. It’s a simple way for…
Toast Credit Card Processing – Rate Increases and Updates (2025)
July 15, 2024
Toast is a restaurant POS (point-of-sale) system. In addition to its POS software, Toast also provides payment processing as an…
Illinois Credit Card Surcharging Laws
July 11, 2024
Illinois allows merchants to legally surcharge credit card transactions. For the most part these laws are pretty similar compared to…
American Express Assessment Fees
July 8, 2024
In addition to the interchange fees charged by American Express for each transaction, there are other fees imposed at the…
EVO Payments Interchange Rates and Fee Updates (2025)
July 7, 2024
If you’re using EVO Payments to process credit and debit card transactions, you need to read and bookmark this resource. …
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