Just the FAQs,
plain & simple

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. Monitoring is included in our standard agreements and consulting is scoped per engagement.

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

No. No application, no underwriting, no out-of-pocket cost. Our fee comes out of savings that are already on your statement.

No. We don't sell processing, lease equipment or carry inventory, which is why our advice is unbiased.

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

No. Because your processor, gateway and hardware stay the same, your integrations do too.

Then we help you choose without bias, because we don't sell processing. If a new provider pays us a referral fee, it's disclosed in writing first.

Under an hour: gathering one to three recent statements, a 20-minute walkthrough of the analysis and a signature.

Analysis comes back within 48 hours. Negotiation typically takes one to four weeks and savings are verified on your next statement.

One to three recent merchant processing statements (PDF or photo) and basic contact details. Nothing else.

You can, and Savings Signal explains how. Most owners find the processor negotiation is the hard part and a benchmark from 500+ clients changes that conversation.

Statements are encrypted in transit and at rest, stored with AWS and Box and used only to produce your analysis and negotiate on your behalf. Never sold or shared.

HHS has stated that credit card processing does not fall within the scope of HIPAA. No health record information is stored, only card payment information. No cardholder, bank account or other material information appears on processing statements.

Named analysts working on your account. All employees are background-checked, sign a Confidentiality Agreement and work on managed, monitored company devices.

Rates creep back after negotiation. New fees appear and classifications shift. Monitoring reviews every statement so savings stay saved.

Yes, any time. An extended monitoring term is a low flat monthly fee with no lock-in.