See what each card payment really costs you, and stop paying for things you did not agree to
We review your processing statements, explain every fee in plain language, and set up payments and point of sale that fit how you take money.
Free consultation, no obligation. Answered 24/7 by Juni Assist, our own AI receptionist.
We source & manage. Delivered and supported by the provider you choose. We compare options, coordinate setup and stay your point of contact. You pay the provider, and the provider compensates us. How we work
Who this is for
- Businesses that accept cards and have never read the statement
- Retail and restaurants considering a new point of sale
- Online sellers who want fewer gateways and clearer fees
Where processing fees hide
Processing statements are hard to read on purpose. A review often turns up fees that have nothing to do with your volume.
Junk fees on the statement
Monthly minimums, statement fees, and PCI fees that you may not need. Each is small, together they add up.
A long contract with a penalty
Some contracts have early-termination or liquidated-damages clauses. Read the terms before you sign anything new.
A POS that does not talk to your books
Sales typed twice and reconciliation by hand. Integration reduces both the errors and the time.
What we do, step by step
Statement review
We go through your last few statements line by line.
Explain
A short summary in plain language: what you pay, to whom, and why.
Compare
Options priced against your actual volume and card mix.
Set up
Merchant account, gateway and POS set up and tested, with hardware migration where possible.
Check in
A review after a full statement period to confirm the numbers.
Not sure where Payments fits your business?
Take 30 minutes with us. Tell us what you have today and we will tell you what we would do, including when the honest answer is to leave things alone.
Free consultation, no obligation. The line is answered 24/7 by Juni Assist, our own AI receptionist.
Deliverables you can point to
- A plain-language breakdown of your current fees
- A comparison against your actual volume
- Setup and testing of the new processing or POS
- Integration with your accounting or ecommerce platform where needed
- A review after the first full statement period
Timeline
Underwriting and hardware shipping are the main waits.
- A statement review can be done quickly once we have your statements
- New merchant accounts go through underwriting
- We schedule the switch for a quiet day
Common questions about Payments
What's a typical effective rate?
Most small businesses on flat-rate processing (Square, Stripe) pay 2.6-2.9% effective. On interchange-plus through us, retail typically lands 1.9-2.3% all-in, restaurants 2.0-2.4%, ecommerce 2.4-2.7%. We do free statement audits.
What's a surcharge program?
A legally-compliant program that passes the credit-card processing fee back to the customer (typically 3-4%). Reduces your processing cost to near zero. Compliance is strict — we set it up correctly so you don't get fined by Visa/MC.
Can I keep my current POS hardware?
Usually yes — most modern POS systems (Clover, Toast, Square) can run on alternate processing. We migrate you without replacing hardware where possible.
What documents do you need?
Your last few processing statements. We use them to understand your volume, average ticket and the fees you pay today.
Is surcharging allowed?
In many places, with strict rules from the card brands and some state laws. We confirm what applies to your location before recommending it.
Do I need to change my POS to change processors?
Often not. Many systems can run on a different processor. We check compatibility before recommending a change.
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Pick the way that suits you
Call now and talk to someone straight away, book a 30-minute slot when it suits you, or leave your details and we will come back with options and honest pricing.
Free consultation. Answered 24/7 by Juni Assist, our own AI receptionist.
Get options for Payments
We compare options from our network of 500+ technology providers and coordinate the setup. A few details help us come back with options that fit. Prefer to talk? Call (844) 255-7157.
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Where we deliver Payments
Delivered and supported remotely in 3,065 cities across 50 states. Pick a metro or a state below, or see every location.
- New York, NY
- Los Angeles, CA
- Chicago, IL
- Houston, TX
- Phoenix, AZ
- Philadelphia, PA
- San Diego, CA
- Dallas, TX
- Austin, TX
- Seattle, WA
- Denver, CO
- Miami, FL
- Atlanta, GA
- Boston, MA
By state
- Washington (68)
- Colorado (55)
- Texas (180)
- Illinois (106)
- Indiana (62)
- California (177)
- Alabama (55)
- Alaska (30)
- Arizona (51)
- Arkansas (47)
- Connecticut (47)
- Delaware (30)
- Florida (125)
- Georgia (69)
- Hawaii (30)
- Idaho (30)
- Iowa (47)
- Kansas (47)
- Kentucky (47)
- Louisiana (47)
- Maine (47)
- Maryland (56)
- Massachusetts (92)
- Michigan (85)
- Minnesota (63)
- Mississippi (47)
- Missouri (65)
- Montana (30)
- Nebraska (31)
- Nevada (30)
- New Hampshire (33)
- New Jersey (91)
- New Mexico (33)
- New York (107)
- North Carolina (85)
- North Dakota (30)
- Ohio (109)
- Oklahoma (47)
- Oregon (56)
- Pennsylvania (102)
- Rhode Island (30)
- South Carolina (56)
- South Dakota (30)
- Tennessee (67)
- Utah (57)
- Vermont (30)
- Virginia (70)
- West Virginia (33)
- Wisconsin (73)
- Wyoming (30)