Are Hidden Processing Fees Costing You 30% of Your Revenue?
Stop Overpaying. Start Saving.
Our free, no-obligation audit uncovers the hidden fees and deceptive practices in your merchant statements, saving our clients an average of 30% annually.
Trusted by business nationwide
Restaurant Groups • Retail Chains • Professional Services
Trusted by businesses who saved an average of 30%
You're Paying More Than You Think.
The payment processing industry thrives on complexity. 42% of merchants are affected by hidden fees, leading to an average of 20% in additional costs. In 2024, U.S. merchants paid a staggering $187.20 billion in processing fees—a figure growing faster than sales themselves.
42%
MERCHANTS AFFECTED
20%
HIDDEN COST INCREASE
$187.2B
TOTAL FEES PAID IN 2024
We Find the Savings. You Keep Them.
Our expert audit service provides a risk-free, comprehensive analysis of your merchant statements to identify overcharges, hidden fees, and opportunities for savings. Industry data shows merchants typically save between 20-40% annually—with our clients averaging 30% in recovered costs.
20-40% Cost Reduction
Industry data shows merchants typically save between 20-40% annually through proper statement analysis.
30% Average Savings
Our clients recover an average of 30% in hidden fees and overcharges on their processing statements.
Zero Risk
Our audit is completely free with no obligation. You only act on our findings if you choose to.
How It Works
A simple, four-step process to uncover your savings
Submit Your Statement
Securely upload your most recent merchant processing statement
We Analyze for Free
Our experts conduct a line-by-line audit to identify overcharges
Receive Your Savings Report
Detailed report showing exactly how much you can save
You Decide
No obligation. Implement savings if you choose
Ready to Uncover Your 30% Savings?
It’s free, confidential, and takes less than 5 minutes to start.
The Problem: Hidden Fees & Traps
The payment processing industry is built on complexity. Many providers thrive on opaque pricing models, convoluted contracts, and a laundry list of fees designed to confuse merchants and inflate profits. In fact, 42% of merchants report being affected by hidden fees, which add an average of 20% to their processing costs. It’s time to bring these practices to light.
Common Hidden Fees to Watch For
PCI Non-Compliance Fees
This should be a flat fee. Not a percentage of sales. Watch for savings opportunities here.
Statement & Batch Fees
Small, daily or monthly charges ($5-$15 for statements, $0.10-$0.25 per batch) that add up to hundreds per year.
Monthly Minimum Fees
A penalty for not meeting a processor’s transaction volume targets, forcing you to pay even when business is slow.
Vague Annual/Regulatory Fees
Unexplained yearly charges, sometimes labeled “Regulatory Fee” or “Annual Maintenance,” that are pure processor profit.
Early Termination Fees
Hefty penalties designed to lock you into a multi-year contract, even if the service is poor and rates are high.
Funding Delays
Not a direct fee, but holding your funds impacts cash flow. Aggregators like PayPal and Square affect 65% of their merchants this way.
Deceptive Pricing Models & Contract Traps
The Tiered Pricing Trap
Processors advertise a low “qualified” rate (e.g., 1.10%) but downgrade most transactions to expensive “mid-qualified” or “non-qualified” tiers (up to 3.5%+). This is a classic bait-and-switch.
The Flat-Rate Trap
Simple, but costly. Providers often charge a single high rate (e.g., 2.9% + 30¢) for all cards, forcing you to overpay significantly on low-cost debit card transactions.
Computer Contracts
Long-term agreements with auto-renewal clauses and buried fees are designed to be difficult to understand and exit.
Calculate Your Hidden Fees
See how much hidden fees could be costing your business
Enter your details to see your estimated hidden fees
* Estimate model. Adjust assumptions in code if needed.
Fighting back against inflated processing fees doesn’t require you to become a payments expert. It just requires a clear, unbiased analysis of your statements.
The Evidence: Real Savings, Verified Data
Fighting back against inflated processing fees doesn’t require you to become a payments expert. It just requires a clear, unbiased analysis of your statements.
20-30%
Cost Reduction Potential
Industry-verified savings range
2.5-3.5%
Small Business vs Enterprise Rate
Level the playing field
$10,000+
Typical Annual Savings
For $100k monthly volume
Real Businesses, Real Results
Liquor Store
$24,000+
/yr
A regional liquor store discovered they were being charged nearly $2,000 per month for a “compliance fee” that should have cost just $9. The processor had improperly marked up a fixed regulatory charge and tied it to sales volume.
Marijuana Dispensary
~$180,000+
/yr
A multi-location cannabis dispensary processing approximately $18 million annually was paying industry-standard rates near 2.9%. By reducing their rate by just 1%, we lowered their processing costs by roughly $180,000 per year.
“The audit revealed significant cost reduction opportunities and streamlined our entire payment process. The transparency and expertise were exactly what we needed.”
John Parisi
–
Corporate Credit Manager, Kingspan Insulated Panels
Benefits Beyond Savings
Improved Cash Flow
Faster funding and reduced fees mean more working capital
Competitive Edge
Lower overhead allows for better customer pricing
Rapid Cash Options
Next day or same day cash options available
No obligation • Confidential analysis • Results in 48 hours
Why Choose Us: What Others Won't Tell You
The payment processing industry profits from confusion. Here’s how the major processors fail you—and how we’re different.
The Trap
The Reality
Flat-Rate “Simplicity”
While marketed as transparent at 2.6-2.9% + fees, this model forces you to overpay significantly on low-cost debit transactions as you scale. The “hidden cost of simplicity” becomes a margin killer for growing businesses.
Opaque Contracts & Poor Service
Multi-year contracts with hefty early termination fees lock you in. Customer reviews reveal unexpected fees, held funds, and difficulty canceling.
Deceptive Tiered Pricing
Advertised “qualified” rates of 1.10% are below wholesale cost—meaning most transactions downgrade to hidden, much higher rates.
We stay ahead of industry changes so you don’t overpay. Key trends impacting your costs:
Rising Interchange Fees
Card network fees continue to increase, making audits more critical than ever.
FTC Junk Fee Rule
New regulations demand transparency, but enforcement remains inconsistent.
PCI DSS 4.0
Updated security requirements mean potential new compliance fees from processors.
AI & Security
Modern fraud prevention shouldn’t cost extra—it should be standard.
Trust Indicators
94%
of B2B buyers evaluate peer feedback before deciding
29%
of users abandon forms due to security concerns
Your data is PCI DSS compliant and protected with bank-level security.
Stop Guessing. Start Saving.
Get your free, confidential merchant statement audit today. No risk, no obligation, just clear results.
PCI Compliant
256-bit Encryption
Confidential
30%
Avg. Savings
72hrs
Turnaround
500+
Audits Done
Analyze My Statement Now
Results delivered within 48 hours
Your information is secure and will never be shared.
Frequently Asked Questions
Everything you need to know about our audit process
How long does the audit take?
Most audits are completed within 48-72 hours. You’ll receive a detailed report showing exactly where you’re overpaying.
Is there really no cost or obligation?
Yes. Our audit is completely free and confidential. You decide whether to act on our findings.
What if I'm in a contract with my current processor?
We’ll identify any contractual issues and help you determine the best path forward, including negotiation leverage.
How do you guarantee 30% savings?
While we find an average of 30% in overcharges, every business is different. Our audit reveals your specific savings potential.
Will my current processor know I'm getting an audit?
No. Your audit is completely confidential until you decide to take action.
What information do you need from me?
Just your last three merchant statements. We handle the rest.
Still have questions?
Monday-Friday, 9AM-6PM EST