Stacked junk fees
Statement, batch, PCI, and "regulatory" fees. Small lines that quietly add up to real money every single month.
Merchant services, without the markup
Find what you are overpaying to accept cards.
We read your processing statement line by line, flag every fee you should not be paying, and show you exactly how much you can recover. No switching required. No contracts. No pressure.
- A real person reads it
- Answer in 1 to 2 days
- Honest even if it is "stay put"
The problem
Processing is built to be confusing. That is where the money leaks out.
You signed a rate once and never looked again. Providers count on exactly that. The real cost hides in downgrades, padded markups, and fees with friendly names.
Silent downgrades
Transactions that fall to non-qualified rates because of how they run, costing a premium you never agreed to.
Padded markups
The markup over true interchange is where your provider makes its margin. Most owners have no idea what theirs is.
Set and forget
Rates that were fine three years ago drift out of line as your volume and mix change. Nobody calls to fix it.
Estimate your leak
How much are you leaving on the table?
Drag your monthly card volume for a quick estimate of what a typical review recovers. Your real number comes from your actual statement.
your statement, line by line
Estimated recoverable
Get my exact number
$250/mo
Based on the typical 0.3% to 0.6% overpayment a review uncovers.
Per year$3,000
Over 3 years$9,000
Estimate only. Your free review uses your real statement.
How it works
Three steps. Ten minutes of your time. Zero obligation.
- 01
Send a recent statement
One recent processing statement is all we need. Upload it or email it over. Your data stays private.
- 02
We read it line by line
We separate true interchange from markup and fees, and flag every line where you are paying more than you should.
- 03
You get a clear breakdown
Exactly what you pay, what you can recover, and your options. Keep your provider or switch. Your call, no pressure.
What a review finds
The same handful of leaks, over and over.
Most statements hide three to seven of these. Here is what we hunt for, and roughly what each one tends to cost.
What it isWhy it leaksTypical hit
Non-qualified downgradesCards run in a way that drops to a premium tier0.3 to 0.8%
Padded interchange markupMargin stacked on top of true network cost0.2 to 0.5%
Monthly "service" and PCI feesRecurring charges you rarely agreed to$20 to $150/mo
Batch and statement feesPer-batch nickels that add up fast$10 to $60/mo
Stale, drifted pricingA rate that no longer fits your volume or mixvaries
The promise
You get a person, not a portal.
Send a recent statement and I read it myself, line by line. If you are already in good shape, I will tell you and we are done. If there is money leaking, I will show you exactly where and what to do about it. No switching required, no long-term contracts, no pressure.
Free for you, alwaysThe review costs nothing. If you decide to switch and start saving, the processor pays me a referral fee. You never pay me a cent.
Findings in 2 business daysYou get a plain-English breakdown by email. No call required, no sales gauntlet.
Chris WyattHamilton Merchant Partners
- Transparent by defaultYou see the markup and every fee in writing. No mystery line items.
- No long-term lock-inWe earn it month to month. If we stop adding value, you walk.
- Honest either wayIf your current setup is strong, we say so. The review cuts both ways.
- One direct lineA person who knows your account, not an 800 number.
Questions
What people ask before sending a statement.
Is the review really free? How do you get paid?
Completely free. If you decide to switch processors and start saving, the new processor pays me a referral fee. You never pay me a cent. If you stay where you are, you owe nothing.
Do I have to switch anything?
No. The review simply shows you what you are paying and where you can save. Keep your current setup or switch, entirely your call. No contracts, no obligation.
How do you find what I am overpaying?
I read your statement line by line, separate the true network cost (interchange) from your provider's markup and fees, and flag every line you should not be paying. Then I show you the number and how to fix it.
Is my statement safe to send?
It comes straight to my inbox and nowhere else. Processing statements do not contain your customers' card numbers, so there is nothing sensitive to redact. A PDF or a clear photo both work.
What do I get, and how long does it take?
A plain-English breakdown of your effective rate, the fees you can recover, and your options, by email within two business days. No call required and no sales pressure.
Who is this for?
Independent businesses that accept cards every month: restaurants, retail, professional services, and e-commerce. If your effective rate is creeping past 2.8% or you see fees you cannot explain, you are likely overpaying.
Free rate review
See what you are really paying.
Send a few details and a recent statement. Within a couple of business days you will have a clear, line-by-line read of your processing costs and where you can recover. Free, and yours to keep.
- No cost and no obligation
- Your statement stays private
- An honest answer, even if it is "stay put"