Your processing costs deserve a second opinion.
You may already have a great processing program. Or you may be paying thousands more than you need to. Send us a recent merchant statement, agreement (contract) or proposal and we'll take a professional look—no pressure, no obligation.
You will learn one of two things: either you are fine where you are, which will give you peace of mind, or you may be paying more than you want — and then you can make a business decision.
Sometimes it helps to have another set of eyes.
Payment processing statements can be complicated. Rates change, fees get added, businesses grow, and an agreement that made sense three years ago may not make sense today.
That doesn't necessarily mean your current provider is doing anything wrong. It simply means it's worth knowing where you stand.
Second Opinion Processing gives merchants an independent look at their current processing costs, explains what they're paying, and identifies opportunities to improve their program.
Understand What You're Paying
Processing statements can contain dozens of rates, assessments, surcharges, and fees. We break everything down into plain English.
Find Hidden Opportunities
Small differences in pricing can become substantial when multiplied across hundreds of thousands—or millions—of dollars in annual card volume.
Decide Without Pressure
Getting a second opinion doesn't mean you have to switch. We give you the information. You decide what makes sense for your business.
We look beyond the headline rate.
The rate on the first page of a statement rarely tells the whole story. These are the six things we work through on every review.
Effective Processing Cost
What processing is actually costing the merchant as a percentage of total volume.
Interchange & Card Costs
Costs determined by card type and transaction behavior.
Processor Markup
What the processor is earning above underlying card-network costs.
Monthly & Miscellaneous Fees
Statement fees, PCI fees, gateway fees, authorization costs, monthly minimums, and other recurring charges.
Pricing Structure
Whether the merchant is using interchange-plus, tiered, flat-rate, surcharge, cash-discount, or another pricing model.
Optimization Opportunities
Whether pricing, technology, transaction qualification, or the processing setup itself could potentially be improved.
Small differences add up.
When we run the numbers, we show what the difference looks like for the month you provide, for a full year, and over five years.
Example for illustration only. Actual savings depend on card mix, processing method, current pricing, equipment, and other factors.
How it works
Upload a recent statement
A complete processing statement usually gives us what we need to begin.
We analyze it
A payments professional reviews your rates, fees, pricing structure, and overall processing costs.
Get your Second Opinion
We show you what we found and explain whether there appears to be an opportunity to improve.
You decide
If you'd like to explore an alternative, we can put together a proposal. If not, you walk away with a better understanding of your current processing.
“We assumed our pricing was already competitive. The analysis showed us several fees we had never really paid attention to and ultimately saved us more than $8,000 a year.”
“There was no hard sell. They walked us through our statement, explained what everything meant, and showed us where their numbers were different.”
“They actually told us our existing processing setup was pretty good. That alone made me trust them.”
Frequently asked questions
Is the review really free?
Yes. There's no cost and no obligation to send us a statement for review—we'll give you an honest look at where your processing costs stand.
Do I have to switch processors to get a second opinion?
No. A second opinion doesn't require you to switch anything. If your current program already looks fine, we'll tell you that. If we find an opportunity, the decision to act on it is always yours.
What do I need to send you?
A recent merchant processing statement, an existing agreement or contract, or a proposal from another processor—whatever you have on hand. The more we can see, the more complete the review.
What exactly do you look at?
We go beyond the headline rate on the first page of a statement: effective processing cost, interchange and card costs, processor markup, monthly and miscellaneous fees, pricing structure, and any optimization opportunities.
Who reviews my statement?
A payments professional reviews every submission individually—this isn't an automated estimate.
Is my information kept confidential?
Yes. Your statement is used solely to evaluate your current program and prepare your analysis. We don't sell your information or share your statement with third parties.
What happens after I submit my statement?
We review it and follow up using whichever contact method you choose—phone, email, or text—to walk through what we found.
What if you don't find any savings?
Then we'll tell you that. Some reviews confirm a merchant already has a solid program, which is useful information on its own.
Your statement stays private.
Your merchant statement is used solely to evaluate your current processing program and prepare your analysis. We don't sell your information or distribute your statement to third parties.
Ready for your second opinion?
Upload a recent merchant processing statement. We'll review it and contact you to discuss what we find.
We've got it.
A member of our processing team will review your statement and contact you to go over what we find.