Interchange, comprising over 300+ Visa, MasterCard, and American Express categories for percentage and transaction fees, is intentionally complex to comprehend. On top of that, additional fees imposed by ISOs, agents, and resellers further contribute to the intricacy.

Beyond interchange rates, we examine all fees above interchange including; authorization fees, batch fees, deposit fees, settlement fees, BIN fees, and many other misleading, mislabeled or hidden fees.

Our evaluation extends to encompass monthly fees that include statement fees, gateway and terminal fees, software charges, and ancillary services imposed by processors, often without consent, on your monthly statements. Many fees can be immediately eliminated and in some cases retroactively refunded.

Our negotiation service extends to regulatory, compliance, and risk-based fees, covering a range of crucial fees that include; PCI validation, regulatory compliance fees, compliance and validation fees, chargeback risk, credit card processing systems, software, tokenization, and more.

Many merchants discover themselves stuck in high-cost, long-term leases or deceptive hardware scams. These unfavorable arrangements result in significant financial burdens, as our clients are compelled to pay exorbitant amounts for terminals that could easily be purchased outright at a mere fraction of the cost.

Sometimes we can find savings in the least likely of places. This includes the way cards are accepted, level 2 & 3 data use, chargeback processes, EVM & PIN Debit use, CNP vs. CP and the potential use of cash discounting applications.