10 combined years in payments · We work for you, not the processor
Your processor is overcharging you. We find it, fix it, and keep it fixed.
Most businesses overpay on processing fees for years without realizing it. We audit your statements, restructure your rates, and monitor every month, without switching processors.
Average client saves 30%+ on fees300+ statements analyzed$1M+ in recovered fees100% of upcharges caught during monitoring
No upfront cost · Only pay once savings are confirmed
$1M+
In recovered fees
300+
Statements analyzed
100%
Of ongoing upcharges caught
10×
Typical ROI in year one
How it works
Three steps. No disruption. No switching processors.
Most businesses think fixing processing fees means switching providers and disrupting operations. It doesn't. We work within your existing setup and get results in the first billing cycle.
01, Audit
We read every line of your statement
Send us your processing statements. We identify every dollar above market, processor markup, junk fees, misclassified transactions, and fees that have no business being on the statement. You get a full breakdown in plain language.
✓ You see exactly what you're losing
02, Restructure
We fix the rate without touching your operations
We negotiate directly with your existing processor on your behalf. No switching, no disruption, no uncomfortable calls on your end. We know what rates are achievable, and we push until we get there. Most clients see results within 30 days.
✓ Average 30%+ reduction in fees
03, Monitor
We watch every statement, every month
Processors quietly raise rates after negotiations. We review every statement every month, flag any increase immediately, and push back before it compounds. Live dashboard, monthly reports. Nothing slips through.
✓ 100% of upcharges caught since launch
Client results
Restaurant Group · New York City
Large Privately Owned Restaurant Group, NYC
10× ROI
Locations
11
Annual Savings
6 figures
Processor Switch Required
None
Year One ROI
10×+
11 locations all processing under the same agreement and overpaying across every single one. We audited every statement, identified the markup and junk fees buried across the portfolio, and restructured without touching a single POS system or customer-facing workflow. Six-figure annual savings realized within the first contract year. No switching. No disruption.
Savings found across industries, no processor switch required in any case
Propane Business
$90K
per year
Custom Pool Company
$55K
per year
Truck Parts Distributor
$26K
per year
Garage Door Company
$17K
per year
Concrete & Construction
$15K
per year
DeathCare Company
$21K
per year
Medical Sales Company
$11K
per year
Auto Mechanic
$5K
per year
What we find · Across every client
The most common overcharges
Processor markup above fair market rateMost common
Processing fees are the one cost center nobody watches after the contract is signed. We specialize in businesses where the savings compound across locations, and where no one has bandwidth to read a processing statement each month.
PE firms and portfolio companies
Portfolio-wide monitoring with a unified dashboard across every entity. Every upcharge caught, every month.
Restaurant groups and franchise operators
High volume, thin margins. A rate improvement of even 0.30% on $1M/month is $36,000/year. Compounded across locations, the numbers get large fast.
Multi-location retail and service businesses
Multiple MIDs, multiple processors, multiple statements. We read all of them and give you one clear picture.
Associations and buying groups
Leverage collective volume to negotiate rates no individual member could achieve alone.
The problem, in numbers
Example: 6-location restaurant group
Monthly processing volume$1,200,000
Current effective rate2.45%
Market rate on fair IC+ pricing1.95%
Processor markup above market+0.50% excess
Monthly junk fees (PCI, equipment, misc)$400/mo
Annual excess cost$76,800/yr
After restructuring$0 excess · savings confirmed
The processor markup is the only negotiable number. Most operators have never questioned it. Junk fees are eliminated outright, not negotiated. Neither requires switching processors.
What's included
Your payments function, fully handled.
We act as your dedicated payments team. You don't need to hire for this expertise. We already have it. 10 combined years inside the payments industry means we know exactly where the margin is hidden and how to get it back.
🔍
Full statement audit
Every fee line reviewed and categorized. Processor markup isolated from interchange and card brand fees. Junk fees identified and flagged. We show you what's negotiable and what isn't. Plain language, not payment jargon.
⚡
Rate restructuring, handled
We negotiate with your existing processor directly. No switching, no disruption. You don't get on a call with them. We do. We know the benchmarks, the leverage points, and exactly how far to push.
📊
Monthly statement monitoring
Every location reviewed every month. Rate drift caught immediately. A live client dashboard with statement history, savings realized, rate trends, and alerts, available 24/7. We have caught 100% of ongoing upcharges since launch.
📄
Monthly savings reports
A board-ready report each month showing savings realized, rates by location, and cumulative impact across your portfolio. PE firms use these for LP updates. Operators use them to hold processors accountable in real time.
🏦
ACH and payment stack review
Card processing is only part of the picture. We review your ACH setup, check fees, and payment routing. Many businesses pay ACH rates 4-10× market, we find that too, and fix it.
🎯
Direct access for everything payments
New processor evaluation, equipment, disputes, surcharging and dual pricing strategy, new location onboarding. We're available. Think of us as a payments function inside your business, without the headcount.
Pricing
A flat fee. You keep the savings.
Most services in this space work on gain-share: they take a percentage of everything you save, every month, indefinitely. That means their fee grows as your savings do, and continues long after the work is done.
We charge a flat fee. You only pay once savings are confirmed on your actual statement, not on projections. After that, the full savings are yours. Our typical client sees 10× ROI on our platform fee in year one alone.
Most popular
Full service
Platform + Ongoing Monitoring
Audit, restructure, and monthly monitoring. Every statement reviewed, every upcharge caught, live dashboard, and monthly reports. Built for PE firms and multi-location operators who want the complete picture handled end to end.
Flat annual fee. Paid only after savings are confirmed on your statement. No percentage of savings taken month after month. No revenue share. You keep the lion's share. Our fee stays flat regardless of how much you save.
One-time
Audit Only
A thorough audit of your current processing statements with a full findings report, markup identified, junk fees flagged, savings quantified in dollars. For operators who want clarity before committing to an ongoing engagement.
Flat one-time fee. You get a complete picture of your processing costs and a specific savings estimate. No obligation to continue. Most clients move to full-service after seeing what the audit uncovers.
Why flat fee matters: A gain-share service that takes 35% of your savings on $50,000/year in recoveries costs $17,500/year and keeps collecting every year. Our flat fee is a fraction of that, paid once, with you keeping everything above it. Over three years the difference is significant. The incentives should be simple: we find everything, you keep it.
Common questions
Every question we get asked.
Almost certainly. What you negotiated with your processor covers only their markup, which represents roughly 10% of your total processing fees. The majority of fees are interchange (paid to the card-issuing banks) and card brand assessments (paid to Visa and Mastercard). Your processor has no control over these, and most don't have the expertise to optimize them. Beyond that, junk fees, PCI non-compliance charges, equipment rental, statement fees, and others, accumulate quietly and are almost never addressed in a rate negotiation. These can often be eliminated entirely, and quickly.
No. We work within your existing processor relationship whenever possible. You don't change software, hardware, how customers pay, or anything about your day-to-day operations. The savings come from restructuring how your existing account is configured, not from switching. If switching would genuinely produce better results for you, we'll tell you exactly why and let you decide. But we never push a switch for any reason other than your benefit, and it's never a requirement to work with us.
We charge a flat fee. Not a percentage of your savings. You only pay after savings are confirmed on your actual processing statement, not on our projections or estimates. This means we don't get paid until you see real results reflected in your billing. After that, the savings are yours to keep. We don't take a percentage every month. Our typical client sees 10× ROI on our flat fee in year one alone, because savings accumulate every single month while our fee stays fixed.
The main differences are our fee model and our depth of service. Gain-share services take a percentage of your savings, often 30-50%, month after month for the life of the engagement. Over time this can cost significantly more than the savings themselves, and it creates an incentive to leave some savings in place. We charge a flat fee so you keep the lion's share going forward. On the service side, we go deeper: ACH and payment stack review, surcharging and dual pricing strategy, PE portfolio monitoring across multiple entities, and a live client dashboard your team can access at any time.
The audit is typically complete within a week of receiving your statements. Restructuring, getting the new rates implemented with your processor, usually takes 2-4 weeks. Some fees, like PCI non-compliance charges, can be eliminated before any negotiation even takes place. Most clients see the first confirmed savings on their next statement after restructuring is complete, usually within 30-45 days of starting.
We typically work best with businesses processing $50,000 or more per month in card volume across one or more locations. Below that threshold, the savings opportunity may not justify the engagement cost, and we'll tell you that upfront before you commit anything. For multi-location operators, we evaluate aggregate volume across all locations, which often makes the opportunity much larger than any single location would suggest on its own.
Then we tell you that, and you don't pay. We do a full audit first, before any fee is charged, and give you an honest picture of what we find. If your rates are already at or near market, we'll say so clearly. We'd rather lose a potential client than oversell savings that aren't real. Our reputation is built on being straight with operators, not on closing every deal that walks in the door.
Yes, and this is exactly where we're strongest. Multi-location, multi-processor situations are precisely the kind of complexity that goes unmanaged internally. We read every statement from every location, every month. We know which processor relationships are performing and which aren't, and we optimize each one. Our client dashboard rolls everything into one view so you see the full picture without touching a single statement yourself.
Find out exactly what you're losing, before committing to anything.
We audit your current statements first. If the numbers make sense, we move forward together. If they don't, we tell you that too. No pitch, no pressure, no obligation, just an honest picture of where you stand.
10 combined years in payments · Flat fee · You keep the savings
Free Audit Request
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✓
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