Questions owners actually ask

Yes — completely free, with no obligation. We analyze your statement, show you what you are paying and where the money is going, and tell you honestly whether we can do better. You decide what happens next. There is no invoice, no deposit, and no card required.

One recent monthly merchant processing statement — the document your current processor sends or posts to your portal each month. A PDF is ideal, but clear photos of each page work fine. The more pages you include, the more precise the analysis, because many of the costly fees hide on the later pages.

Usually within one business day, often faster. Once your statement is uploaded, our analysis engine reconciles your volume, transactions and every fee line. Carol then reviews the result personally before anything is sent to you — nothing goes out unchecked.

Yes. You upload through a private, expiring link created just for you. Files are encrypted in transit and at rest, stored with access controls, never placed in any public folder, and never sold or shared for marketing. We use your statement for one purpose only: your analysis. You can ask us to delete it at any time. Please never send card numbers, passwords or banking logins — we will never ask for them.

Then we tell you exactly that. Some businesses are already on a competitive setup, and pretending otherwise helps no one. If your current processing is good, you will hear “you’re in good shape — keep it” and an offer to re-check in six months. No pressure, no invented savings.

No. The analysis is information, not a commitment. Many owners use it simply to understand their statement or to negotiate with their current provider. If we do find a meaningful saving and you want it, we make the switch easy — but that is always your call.

We believe in earning your business every month, not trapping it. Before you sign anything we walk you through the exact terms — rates, fees, equipment and any commitment — in plain English. You will never discover a term after the fact that we did not explain before it.

Simple: if we save you money and you choose to process with us, we earn a small share of the processing — that is the industry-standard model. The difference is that our pricing is transparent, so you can see what you pay and why. If you do not switch, the analysis costs you nothing and we part as friends.

We work with US small and medium businesses across retail, restaurants, trades, professional services, health and beauty, e-commerce and more — typically processing anywhere from $100K to $5M a year. A few high-risk categories need specialist programs; if yours is one of them, we will say so up front rather than waste your time.

Three things: we analyze every fee line and reconcile the totals; Carol reviews the result personally; then you get a clear answer — a savings breakdown, an honest “you’re fine where you are,” or a note asking for a missing page if the statement was incomplete. If there is a saving, Carol walks you through it on a quick call and you decide from there.