MESA, AZ · CARD PROCESSING CONSULTANT
Payment companies keep calling to "lower your rate"?
You don't have to switch to get better pricing. You need someone who knows what to look for to call your current provider. That's what I do.
No new processing account · No new equipment · Nothing to download · Free review
The secret the sales calls leave out
Every processor pays the same base costs to Visa, Mastercard and Discover. Those costs are called interchange, and they're the biggest part of your fees.
What changes from company to company is the markup on top, and whoever has the best pitch. Switching means new paperwork, new equipment and a new contract. Often, all you need is someone to ask your current provider for better pricing.
What I look for on your statement
Markups above the true card cost
Tiered "non-qualified" charges
PCI, statement, annual and "support" fees
High PIN debit and per-transaction fees
Fees pulled from your daily deposits
1. Upload your statements
Send your last 3 months of processing statements. It takes about two minutes.
2. Get your savings estimate
I review every fee and send you a plain-English estimate of what you could save, free.
3. I negotiate for you
With your OK, I call your current merchant services provider and negotiate lower rates. No switching, no new equipment.
4. You only pay if you save
My fee is one month of your savings, paid once. Every month after that, you keep all the savings.
Bonus: stuck in an equipment lease? I'll review your lease and look for a way out.
Frequently asked questions
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No. I work with the provider you already have. No new account, no new equipment, nothing to download.
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Your last 3 months of processing statements. You can upload them on the Send Statements page or email them to review@theratereviewers.com. If we move forward, I’ll also need your merchant ID and a signed authorization letter.
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Nothing. The review is free. You only pay if I lower your fees.
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I usually send your savings estimate within a few business days of getting your statements. Once you approve, I contact your provider. Changes typically show up on your next one or two statements, depending on your provider.