Pay less friction
What are your credit card processing fees really costing?
Payment review
A payment review, not a sales pitch
We start with education — your effective rate, your pricing model and how payments flow into your software — then, if there's a fit, we connect you with a specialist provider you approve before anything is shared.
- • Plain-English review of your current statement
- • Workflow fit: in-person, online, invoicing and recurring payments
- • No savings promises before we see your numbers
Payment review
Know your effective rate
Share your monthly card volume and fees, and we'll review your current statement, walk through the pricing model and whether a change fits how you get paid.
Request a payment reviewEstimates only. Results vary. No guarantee of approval, rates or savings.
Total card sales on your statement.
Add every fee line: discount, interchange, assessments, monthly, PCI, gateway.
Your effective rate
3.25%
Fees per year
$23,400
Avg. fee / sale
$4.88
Avg. ticket
$150.00
Effective rate is a diagnostic, not a savings quote. Card mix, card-present vs. keyed, and network rules change what any provider can offer.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Talk with a payments specialistPayments by industry
Fees, rules and a profit calculator for 12 industries.
Merchant statement breakdown calculator
See who gets every fee dollar.
Surcharge impact calculator
Net impact and break-even sales loss.
Cash discount vs surcharge calculator
Three programs side by side.
Pricing model comparison calculator
Flat, tiered and interchange-plus, with payback.
What is payment processing?
How a card sale becomes a bank deposit, and what it costs.
Credit card processing for small business
A 5-question checklist for comparing offers.
Credit card processing fees explained
Interchange, markup and your effective rate.
Payment gateway vs processor
What each does and how gateway fees add up.
ACH payments for business
Debit vs credit, timing, cost and eChecks.
Chargebacks
Ratio formula, dispute steps and a prevention checklist.
POS systems for small business
Software, hardware and processing in one cost formula.
Ecommerce and online payments
Gateways, payment links, card-not-present fees and fraud.
High-risk merchant accounts
Why pricing differs and how rolling reserves work.
Recurring billing and payment links
Card on file, invoices and failed payment recovery.
B2B payments
Card vs ACH vs wire cost per $1,000 and Level 3 data.
Surcharges vs cash discounts
How each works and what to verify first.
Dental practices
PMS integration, patient-pay, membership billing and reconciliation.
Medical practices
Patient responsibility, collections and EHR/PM fit.
Merchant services buyer's guide
A vendor-neutral checklist for comparing processors.
Interchange-plus vs. flat rate
Which pricing model fits your volume and card mix.
Credit vs. debit costs
Why card mix drives your effective rate.
Payment reconciliation
Make sales, settlements and deposits agree.
From batch to bank deposit
Why totals don't match — and how to trace them.
Read a merchant statement
Line by line, and where hidden costs sit.
Compare processing options
True cost, contracts, funding and fit.
Pricing models & surcharging
Flat, tiered, interchange-plus and cost offsets.
Are processing fees deductible?
Tracking fees for your books and taxes.
For community banks
Partner with us to offer customers payment solutions.
Dental payment workflows
End-of-day reconciliation
Day sheet, batch and bank — the three-way match.
A/R and patient balances
Collect earlier and see what slow collections cost.
Text-to-pay
Consent, message content and posting.
Card-on-file
Authorization, tokens and failed charges.
Membership plan billing
Recurring charges, failures and real economics.
Payment plans
Practice-managed installments vs. patient financing.
Surcharging
Rules, costs and alternatives.
Software integration checklist
Questions to ask before you connect payments.
QuickBooks close
Account mapping and proof of close.
HSA/FSA payments
Receipts, split tender and posting.
DSO & multi-location
Location-level reporting and controls.
Practice vs. patient financing
Two different kinds of financing, compared.