Rate Analysis
Let’s Calculate Your Real Effective Rate.
Upload three months of processing statements. We break down your structure, not just the percentage.
Why three months?
One Month Does Not Tell the Truth.
Processing fees fluctuate.
Interchange categories shift.
Downgrades appear inconsistently.
Assessment fees vary.
Markup can be padded differently month to month.
We analyze patterns, not snapshots.
Three months allows us to calculate:
- True blended effective rate
- Debit vs credit mix
- Markup structure
- Hidden billing shifts
- Inconsistent fee application
That is how you see the real cost.
WHAT YOU RECEIVE
A Clear, Written Breakdown.
You will receive:
- Multi-month effective rate calculation
- Interchange vs markup separation
- Side-by-side cost comparison
- Interchange-plus projection at 50 basis points
- Surcharge feasibility review
- Estimated annual savings
No vague promises.
No teaser quotes.
No pressure to switch.
If the numbers do not favor you, we will say so.
INTERCHANGE-PLUS VS SURCHARGE
Two Transparent Options.
Interchange-Plus (0.50% Markup)
- You pay the real interchange cost plus a fixed 50 basis point markup.
- No tiered padding. No qualified games.
Surcharge Model
- Processing fees are passed to the customer in a compliant structure.
- You pay only the $24.99 monthly platform fee.
We will show you which structure makes more sense based on your volume and card mix.
Let’s Get Started — Share Your Details
Tell us a little about your business and what you’re looking for in a payment partner. We’ll review your information personally and reach out with clear next steps tailored to your goals. It’s quick, simple, and the first step toward better processing.
Unlock Your Custom Rate Quote
Every business is different — your pricing should be too. Submit a few details and receive a transparent, customized rate analysis designed to reduce fees and improve efficiency. No guesswork. No hidden costs. Just straightforward numbers you can trust.
Complete Your Merchant Application
Ready to move forward? Fill out your merchant application and begin the onboarding process with a team that values speed, clarity, and personal support. We’ll guide you every step of the way so you can start processing with confidence.