Your real effective rate
The one honest number in payments: total fees ÷ total card sales. I calculate it from your statement so you finally know what you’re truly paying to accept cards.
Send me your current merchant processing statement and I’ll send back your true effective rate, every hidden fee flagged, and an honest side-by-side proposal. No cost. No obligation. You keep the analysis even if you never switch.
Prefer to talk first? Call or text (305) 215-6132You were quoted one rate. Your real rate — total fees ÷ total volume — is almost always higher, once every add-on, tier, and “regulatory” line is counted. The audit calculates that number for you, in plain English, and shows exactly where the gap is coming from.
Send my statement →The one honest number in payments: total fees ÷ total card sales. I calculate it from your statement so you finally know what you’re truly paying to accept cards.
PCI, statement, batch, “regulatory,” and annual fees called out line by line — so you can see which are real network costs and which are padding.
What you pay now vs. what a transparent or zero-cost program would look like for your business — laid out so you can compare the two at a glance.
The breakdown is yours. If your current deal is genuinely good, I’ll tell you to keep it — and you still walk away knowing your real numbers.
Email or upload your most recent merchant statement with sensitive info redacted — black out your account, bank, and tax-ID numbers. I just need the totals.
In about 15 minutes I calculate your true effective rate and flag every fee on the statement. No charge, no commitment.
You get a clear side-by-side: what you pay now vs. zero-cost or reduced-rate. If staying put is the right call, I’ll say so.
I make my living when business owners decide, on their own, that switching to a transparent or zero-cost program saves them money. That only happens if the audit is genuinely useful — so the review is free and the analysis is yours to keep, whether or not you ever work with me.
The dual-pricing / zero-cost angle is what makes that math work: with a compliant program, the cost of card acceptance can be offset at the point of sale instead of eating your margin, which for many businesses brings effective processing cost to near zero. Those same savings can help fund a website designed and built for you. The audit simply tells you whether that fits — honestly, with real numbers.
You are never required to switch, sign, or buy anything to get your audit. If your current processor is treating you fairly, the most valuable thing I can do is tell you so — and you keep the breakdown.
BBB A+ accredited. Plain-English pricing, no surprise fees buried on page three, and a clear explanation of the dual-pricing / zero-cost model before you decide anything.
Lowering what you pay to accept a card frees up money every month with no extra work and no new customers.
These are the line items that quietly inflate your real rate. If you want to peek before you send it, here’s what I’ll be checking.
You were quoted one rate; your real rate — total fees ÷ total volume — is almost always higher. That gap is the first thing I calculate for you.
“Qualified / mid-qualified / non-qualified” buckets exist to route transactions into higher-priced tiers. Interchange-plus pricing removes the game entirely.
PCI, statement, batch, “regulatory,” and annual fees add up fast. I’ll show you which are real network costs and which can come off.
Where it fits, a compliant dual-pricing or surcharge program can offset your processing cost to near zero — I’ll show whether that’s right for your customers.
Tell me a little about your business and how to reach you. I’ll reply with where to send your statement, then send back your true effective rate, every flagged fee, and an honest side-by-side proposal — no cost, no obligation.
Is the statement audit really free?
Yes. There’s no cost and no obligation. You send your most recent statement, I calculate your true effective rate and flag every fee, and the analysis is yours to keep — whether or not you ever switch.
What is an effective rate?
It’s the one honest number in payments: total fees ÷ total card sales for the month. It cuts through confusing line items and tells you what you’re truly paying to accept cards, no matter what rate you were quoted.
What do I send, and what about sensitive info?
Just your most recent merchant statement, with sensitive details redacted. Black out your account number, bank account, and tax ID first. What I need to see are the totals: total card volume and total fees.
Do I have to switch processors?
No. There’s no obligation to switch. If your current deal is genuinely good, I’ll tell you to keep it. You keep the analysis either way.
How long does the review take?
The review itself takes about 15 minutes once I have your statement. I then follow up with your effective rate, the flagged fees, and an honest side-by-side proposal.
How does zero-cost processing fit in?
After the audit, one option I may show you is a compliant dual-pricing or surcharge program that can offset your processing cost to near zero. The audit tells us whether that — or transparent interchange-plus — actually fits your business.
Lowering what you pay to accept a card frees up money every month with no extra work and no new customers. The businesses that grow from there spend it on the three things that actually bring customers in: answering every call, a site that converts, and showing up on Google.
Send your current merchant statement and find out what you’re really paying — your true effective rate, every hidden fee, and an honest proposal. No cost, no obligation.
Prefer to talk now? Call or text (305) 215-6132