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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
ACH vs. Wire Transfer: What’s the Difference?
October 9, 2025
In addition to credit card processing, cash, and checks, merchants have other ways of getting paid. Two alternative methods include…
Card Brand Fees: Merchant Payment Processing Guide
October 2, 2025
Most merchants understand interchange fees, but card brand fees are an entirely different story. I get questions about card network…
What Are Embedded Payments? How it Works and Use Cases
September 16, 2025
Embedded payments are one of the most significant developments in modern payments. You’ve probably experienced them without even realizing it.…
PCI Compliance Requirements (12 Requirements of PCI DSS)
September 7, 2025
To become PCI compliant, you must follow the requirements set forth by the Payment Card Industry Data Security Standards Council—an…
Interchange Downgrades & How to Avoid Them
August 16, 2025
If your business accepts credit cards, you probably have a basic understanding of interchange fees. Interchange rates are set by…
Refunds vs. Reversals in Payment Processing: Key Differences
August 6, 2025
Refunds and reversals sound similar, but they aren’t quite the same thing. While both actions effectively cancel a sale, there…
New California Credit Card Surcharge Rules Explained
July 23, 2025
California has some of the most unique credit card surcharge rules in the country. Home to roughly 40 million residents,…
Illinois Credit Card Surcharging Laws (2026)
July 9, 2025
Illinois allows merchants to legally surcharge credit card transactions. For the most part these laws are pretty similar compared to…
Should Your Business Use a PayFac For Credit Card Processing?
June 24, 2025
Payment Facilitators (PayFacs) have exploded in popularity in recent years. Platforms like Stripe, Square, and PayPal make it easy for…
Critical Payment Security Key Updates & Deadlines
June 17, 2025
Visa, Mastercard, American Express, and Discover have all issued critical updates to their security certificate systems, requiring immediate attention from…
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