Stop paying for lines you cannot explain.
Every processor pays the same interchange. What varies is everything printed under it.
Not a network cost. Markup wearing a technical name.
Charged because a form was never filed. Should be zero.
A fee for not paying enough in fees.
Billed daily for closing your own till.
For a PDF you could download yourself.
Not one marked line is interchange. Every one is a conversation you are allowed to have.
Six things, one merchant account.
You are not buying a terminal. You are buying who answers when it stops working on a Saturday.
- Clover, PAX and Verifone hardware
- Authorize.net and USAePay gateways
- Your current POS kept, where it can be
- Next-day funding where your bank allows it
- Month to month, with no cancellation fee
Card processing
Tap, chip, swipe and wallets, priced off your own statement.
POS systems
A new till, or the one you have re-plumbed and left alone.
Gateway & virtual terminal
Take it by phone, by payment link, or from a browser tab.
High-risk acceptance
For the categories a flat-rate aggregator closes without warning.
Chargebacks & fraud
Alerts, evidence and the reply, filed before the deadline.
Gift cards & ACH
Stored value and bank debit on the statement you already read.
Wherever the sale actually happens.
Clover, PAX and Verifone units, configured before they reach you.
A week, and one quiet morning.
- Day 1
Send one statement
The last full month, every page. No call to book first.
- Day 2
Get it back marked up
Line by line, in writing, with the negotiable ones circled.
- Day 4
Decide against numbers
If the honest answer is that you are already fine, we say so.
- Week 1
Cut over
Hardware arrives configured. We switch on a Tuesday, never a Friday.
I had been reading that statement for nine years and could not have told you what half of it was for.
What owners ask first
Send the whole thing. We will find the pages that matter.
One month. Every page.
One month. Every page.
We mark up everything that is not interchange and send it back in writing. No call required.
Tell us what you sell.
The trade, roughly what goes across the counter, and how you take it today.
Contact Information
Groups get one account across every site, with reporting per location and one deposit.
⏱️ A marked-up statement back within two business days.