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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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Payment Processing
Effective Rate vs. Discount Rate in Payment Processing
February 13, 2026
Key Takeaways: One of the most crucial components to your credit card processing costs isn’t found anywhere on your monthly…
Important Update for PayPal and Braintree Merchants
February 7, 2026
I’ve recently been talking about why merchants should pay close attention to earnings calls from their payment processors, as these…
Why Debit Card Merchant Fees Are Increasing in 2026
January 10, 2026
Debit card transactions are cheaper for businesses to process because they have lower interchange rates. Regulated debit cards can cost…
How Earnings Calls Predict Payment Processing Rates
December 23, 2025
Most businesses probably aren't paying attention to earnings calls from their credit card processor. After all, these calls are designed…
Integrated Payments vs. Embedded Payments
December 22, 2025
Merchants looking for the best way to accept card payments within a particular software are often presented with both integrated…
Surcharge vs. Cash Discount, Dual Pricing, Convenience Fees
December 18, 2025
Despite this being one of the most highly covered topics in the payment processing space, we still get merchants asking…
Hawaii Credit Card Surcharge Laws
December 15, 2025
There’s a lot of conflicting information on the web about Hawaii’s credit card surcharge laws. Some sources claim that Hawaii…
Mississippi Credit Card Surcharge Laws (Updated for 2026)
December 9, 2025
Mississippi has one of the most unique approaches to credit card surcharging in the US. While private businesses are free…
What to Expect When Your Payment Processor Gets Acquired
December 5, 2025
We rarely recommend switching payment processors. The cost savings from negotiating better terms with your current processor almost always outweighs…
South Dakota Surcharge Laws (2026)
December 2, 2025
Whether you’re running a business in South Dakota or you’re buying something locally, understanding the state’s surcharging laws is important.…
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