Are you losing money
on card processing?
The average business overpays 22–41% in merchant fees — buried in interchange padding, non-qualified downgrades, and junk assessments. In 15 minutes, our AI agent will qualify you and gather the details a specialist needs to find your savings.
22–41%
Avg overpayment
15 min
To find out
100%
Free, no obligation
Where you're leaking
Four places your processor is quietly winning.
Every merchant statement we audit has at least two of these. Most have all four.
Interchange padding
Your processor quietly marks up Visa/Mastercard's published interchange rates by 30–90 bps. It's invisible on the statement unless you know where to look.
Non-qualified downgrades
Rewards, corporate, and keyed-in cards get shoved into 'non-qualified' buckets — sometimes doubling your effective rate on those transactions.
Junk & assessment fees
PCI 'non-compliance' fees, batch fees, statement fees, IRS reporting fees, cross-border padding. Small line items, six-figure annual drag.
Tiered pricing traps
If your statement says 'qualified / mid-qualified / non-qualified' — you're on the single most expensive pricing model in the industry. Full stop.
What we find
The fees hiding in your statement.
Every merchant statement we audit has at least two of these. Most have all six.
| Fee category | Typical impact |
|---|---|
| Interchange padding | $200–$900/mo |
| Non-qualified downgrades | $150–$600/mo |
| Junk statement fees | $25–$95/mo |
| Equipment lease padding | $40–$120/mo |
| Tiered pricing trap | 30–90 bps over |
| Annual & misc fees | $99–$295/yr |
Found in most statements we review. Your specialist will show you which ones apply to you.
How it works
From form to findings in fifteen minutes.
- 01
Tell us about your business
Name, email, monthly volume, current processor. 30 seconds. We generate a private meeting room just for you.
- 02
Meet the AI agent — instantly
One click puts you into a live video room with our AI agent. No scheduling. No calendar tag. It's already waiting.
- 03
Understand where you're losing
The agent walks you through common fee pain points, explains what to look for on your merchant statement, and gathers the details a human auditor needs.
- 04
Book a call with a human auditor
If you uploaded your statements, you can skip straight to booking a human auditor. Otherwise, the AI agent drops a scheduling link in-room once you're ready — you meet the human auditor in the same video room.
The numbers
Your processor isn't doing you any favors.
These aren't opinions. They're the patterns we see across merchant statements from every major processor.
22–41%
Average overpayment
Most businesses pay significantly more than necessary in processing fees due to hidden markups and non-qualified downgrades.
Industry analysis of merchant statements
$200–$900/mo
Interchange padding
Processors quietly mark up Visa/Mastercard published rates. This alone accounts for the majority of unnecessary fees on most statements.
Typical audit findings across processors
4 of 4
Statements with junk fees
PCI non-compliance fees, batch fees, statement fees, and annual fees appear on virtually every merchant statement we review.
Audit pattern across major US processors
TLS 1.3 end-to-end
Everything you tell the agent is encrypted in transit and at rest.
Statements handled securely
Uploaded statements are stored encrypted and used only for your qualification and specialist review.
No contract required
The audit is free. If we find savings, you choose whether to switch.
Self-hosted infrastructure
Meeting, agent, and data pipeline all run on our own hardware — never third-party training data.
Get qualified
30 seconds now.
15 minutes to know.
Fill out a quick form and we'll drop you straight into a private video room with our AI qualification agent. No calendars. No back-and-forth. No credit card.
- A private, one-time meeting room provisioned just for you
- Live AI qualification agent already in the room when you join
- Fast qualification — the agent gathers your details so the specialist is prepared
- If qualified: pick a time in-room to meet an integration specialist
Risk-free: If your current setup is already competitive, we'll tell you and end the call. No pressure, no follow-up.
FAQ
Answers before you ask.
Is this really free? What's the catch?+
Genuinely free. We only earn if you decide to switch to a processor we've vetted after the human auditor reviews your setup. If your current setup is already competitive, we'll tell you and end the call.
Do I need to upload my statements?+
Uploads are optional but recommended. Up to 3 months of fee statements helps the auditor prepare a detailed analysis before your call. You can also share details during the meeting instead.
How is my data handled?+
Everything is TLS 1.3 encrypted. We do not retain uploaded statements after the session. Lead details are stored only to route follow-up. See our privacy policy.
What if I'm on a great rate already?+
Then you'll leave with a two-minute confirmation of that, in writing, and we won't contact you again. Peace of mind is a legitimate outcome.
What types of businesses do you work with?+
Any US-based business processing at least $10,000/month in card payments. We work with retail, e-commerce, restaurants, dental and medical practices, auto, services, and more. If you process cards, we can audit your fees.