How much does analysis and negotiation cost?

Analysis is free. For negotiation we take a share of the savings we secure and verify on your statement. If you save nothing, you pay nothing.

How much can I expect to save?

Clients typically save 15–40% on processing fees. We guarantee a minimum $300 monthly reduction in gross processing costs, or there's no fee.

Can I do this myself?

You can, and our Savings Signal articles explain how. Most owners find the processor negotiation is the hard part, and that's where a benchmark from 500+ clients changes the conversation.

How much time does this take?

Under an hour of your time: gathering statements, a 20-minute walkthrough of the analysis, and a signature.

Revealing the
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Q: Do I have to switch my processor, software, hardware or POS?

No. We negotiate with your current processor. Most clients change nothing at all.

Our AI decodes every line of your processing statement. Our experts negotiate the result with your current processor. You keep your POS, your hardware and your integrations.

Upload a statement See a sample analysis

A business owner reviews a stack of processing statements at his desk — Every line. Every fee.

5,000+fee types our AI recognizes

15–40%typical reduction in processing fees

$300/mominimum savings, or no fee

< 1 hrof your time to get started

Sample analysis

One statement,
read line by line

This is what comes back within 48 hours of uploading: where the money went, what shouldn't be there, and what the effective rate should be. Figures below are illustrative.

Where $11,428.82 in fees wentSep 2024

Interchange (card networks)$6,842.11

Assessments$1,097.74

Processor markup$1,646.37

Avoidable fees & downgrades$1,842.60

Interchange and assessments are set by the card networks and can't be negotiated. Everything else can.

Effective rateBefore → after

3.55%

2.98%

2.50%

Statement as receivedAfter fee removalAfter negotiation

Projected annual savings$40,572

Method

AI finds it.
People fix it.

Software is fast at reading statements. It's bad at phoning a processor. We do both.

01 · Analysis

Every line, classified

Upload 1–3 recent statements. Our model maps each line to one of 5,000+ known fee types, separates network cost from processor markup, and flags downgrades, non-compliance fees and "regulatory" charges that aren't.

–Interchange vs. markup split
–Downgrade and tier analysis
–Benchmark against 500+ clients

02 · Negotiation

Your processor, better terms

Our team takes the analysis to your current processor and negotiates pricing, removes avoidable fees and reviews the contract, with no change to your POS, gateway or integrations. Then we confirm the new rates landed on the next statement.

–Pricing model renegotiation
–Contract and term review
–Verified on the following statement

What happens when

From upload to lower bill

Day 0Upload statementsThree recent months. PDF or photo.
Day 2Analysis deliveredSavings estimate and a 20-minute walkthrough.
Weeks 1–4NegotiationWe work with your processor. You keep running the business.
Next statementSavings verifiedWe confirm the new rates landed, then split the savings.
OngoingMonitoringOptional monthly watch so the savings don't drift back. Learn more →

How we charge

Save nothing,
pay nothing

No application, no underwriting, no out-of-pocket cost. Once savings are secured and verified on your statement, we split them with you. If we find nothing, you owe nothing.

See pricing

AnalysisFree

NegotiationShare of verified savings

Minimum savings to engage$300 / month

Processor, POS or hardware changesNone

Results