PROFITTHEORY

Payments guidance

Work with a payments specialist

A payments specialist helps you understand what you pay to accept cards and bank payments, why you pay it, and whether a different setup would fit your business better — before you talk to any provider.

Profit Theory, LLC is not a lender or payment processor. Providers set pricing and terms. Educational only; estimates only; no guarantee of savings or approval.

What a payments specialist does

  • Walk through a recent processing statement line by line and calculate your effective rate
  • Explain your pricing model — flat, tiered or interchange-plus — and what each layer of cost pays for
  • Compare options such as surcharging, cash discount and ACH where they fit how you get paid
  • Help you prepare the questions and numbers a provider will ask for
  • With your explicit consent, introduce you to a provider we select based on fit for your situation

We only work with providers we believe can execute for a given situation, and we never ask for card numbers, bank logins or full account numbers.

Start with the guides

These plain-language pages cover how processing works and what it costs:

Run the numbers first

Our calculators are free and show results before any contact:

Talk with a payments specialist

Request a payment review and a specialist will follow up to walk through your statement and options. The website tools and an initial introduction request cost nothing.

Estimates only. Results vary. No guarantee of approval, rates or savings.

We may earn a referral fee or commission if you work with a provider we introduce. How we get paid