Question 1

What is an effective rate and how do I calculate it?

Accepted Answer

Your effective rate is the total percentage of revenue you pay in processing fees. Calculate it by dividing your total monthly fees by your total monthly processing volume. For example, if you paid $1,250 in fees on $50,000 in volume, your effective rate is 2.5%. This single number tells you more about your processing cost than any individual line item on your statement.

Question 2

What pricing model am I currently on?

Accepted Answer

Most merchants are on one of three structures: tiered (qualified/mid-qualified/non-qualified buckets), flat rate (a single percentage on all transactions), or interchange plus (actual network cost plus a small fixed markup). Tiered pricing is the most common and usually the most expensive. Uploading your statement to our analyzer will identify your current model immediately.

Question 3

How does the free statement analysis work?

Accepted Answer

Upload a recent processing statement (PDF format, any processor). Our AI-powered analyzer reviews every line item, identifies your pricing model, calculates your effective rate, flags overcharges, and recommends the program with the most savings potential for your specific situation. It takes about 60 seconds and there's no obligation to do anything with the results.

Question 4

Can I really eliminate my processing fees?

Accepted Answer

Yes, through dual pricing or a properly implemented cash discount program, many businesses reduce their net processing cost to near zero. Card-paying customers cover the fee on their own transaction. Roughly 60–80% of customers continue to pay by card, and those customers self-fund the processing cost. You pay a small monthly service fee and nothing else.

Question 5

Is cash discounting legal?

Accepted Answer

Yes. Cash discounting is legal in all 50 states and permitted by Visa and Mastercard when implemented correctly. The key requirements are: clear disclosure at the point of sale, proper signage, and compliant receipt formatting. We handle the full compliance setup so you don't have to worry about it.

Question 6

Do you charge for the analysis or consultation?

Accepted Answer

Never. The statement analysis, the consultation, and all recommendations are free. We get paid only if you choose to move your processing to one of our programs, and only through the disclosed markup built into your rate — which you'll see before you sign anything.

Question 7

How long does it take to switch processors?

Accepted Answer

Most account switches take 3–7 business days from approval to live. We handle the entire setup — account application, terminal reprogramming or replacement, and testing — so the transition is seamless. You should never miss a day of processing during the switch.

Question 8

Do you require long-term contracts?

Accepted Answer

No. We work on month-to-month agreements. There are no early termination fees, no annual contracts, and no lock-in periods. We believe if we're doing our job, you won't want to leave — and that model keeps us accountable.

Question 9

What if I'm locked into a contract with my current processor?

Accepted Answer

We'll review your current contract and help you understand your options. In many cases, we can structure a transition that offsets your early termination fee with savings from the new account. In others, we'll recommend waiting until your contract expires and help you plan the switch before it does.

Question 10

What types of businesses do you work with?

Accepted Answer

We work with virtually every business type — retail, restaurants, medical practices, auto dealers, gas stations, contractors, professional services, e-commerce, and high-risk verticals like CBD, firearms, and subscription businesses. If your current processor has declined you or overcharged you, we can almost certainly help.

Straight answers, no pitch.

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