Lower your processing fees without changing your prices.
Not every business wants a customer-facing pricing program. Lower-rate traditional processing focuses on what you pay, not what customers see.
Request a no-obligation savings review
Where costs hide
Statements combine interchange set by card networks, network assessments, and the processor's markup. Monthly minimums, PCI non-compliance fees, batch fees, statement fees and equipment leases can add up quietly. We itemize all of it.
Pricing models compared
Flat-rate pricing is simple but often expensive for higher volumes. Tiered pricing can push transactions into costly buckets. Interchange-plus passes network costs through at cost and shows the markup separately, making it the easiest to audit.
Practical levers
Reducing keyed transactions, settling batches daily, keeping PCI validation current, sending level 2 or level 3 data for eligible business cards, and removing unused equipment fees can all lower your effective rate.
What a review delivers
You receive your current effective rate, a list of fees that look avoidable, and a modeled comparison of pricing options so you can negotiate or switch with confidence.
Frequently asked questions
How do I calculate my effective processing rate?
Divide total processing charges for a period by card sales for the same period and multiply by 100. Include monthly account fees when comparing providers, and separate unrelated software or equipment costs consistently.
Why is my advertised rate lower than my effective rate?
An advertised rate may omit interchange differences, per-transaction charges, assessments and monthly fees. Your customer card mix and payment channels also affect total cost. Compare complete statements, not just a headline rate.
Can I lower fees without changing what customers pay?
Possibly. Traditional pricing, improved transaction data and a better fit between your payment setup and business may reduce costs. Ask for both a traditional quote and an eligible fee-offset option.
What costs should I consider before switching?
Review cancellation charges, hardware leases, software subscriptions, gateway fees, chargeback fees and staff training. Potential savings should be evaluated after these costs and any downtime risk.
Are the calculator's annual numbers guaranteed savings?
No. The calculator annualizes your estimated current processing expense. It is a planning illustration, not a prediction that all of that expense will disappear. A written proposal is needed for a realistic net-savings estimate.