Stop paying for lines you cannot explain.
Every processor pays the same interchange. What varies is everything printed under it.
Not a network cost. Markup wearing a technical name.
Charged because a form was never filed. Should be zero.
A fee for not paying enough in fees.
Billed daily for closing your own till.
For a PDF you could download yourself.
Not one marked line is interchange. Every one of them bills again on the first, until somebody asks.
Six things, one merchant account.
You are not buying a terminal. You are buying who answers when it stops working on a Saturday.
- Clover, PAX and Verifone hardware
- Authorize.net and USAePay gateways
- Your current POS kept, where it can be
- Next-day funding where your bank allows it
- Month to month, with no cancellation fee
Card processing
Tap, chip, swipe and wallets, priced off your own statement.
POS systems
Your till re-plumbed and left alone, or a new one.
Gateway & virtual terminal
Take it by phone, by payment link, or in a browser.
High-risk acceptance
For the categories a flat-rate aggregator closes without warning.
Chargebacks & fraud
Alerts, evidence and the reply, filed before the deadline.
Gift cards & ACH
Stored value and bank debit on the statement you already read.
Wherever the sale actually happens.
Clover, PAX and Verifone units, configured before they reach you.
A week, and one quiet morning.
- Day 1
Send one statement
The last full month, every page. No call to book first.
- Day 2
Get it back marked up
Line by line, in writing, with the negotiable ones circled.
- Day 4
Decide against numbers
If you are already priced well, we say so and leave it.
- Week 1
Cut over
Hardware arrives configured. We switch on a Tuesday, never a Friday.
Nine years I read that statement and never once asked what the non-qualified line was for. Nobody at my old office could tell me either.
What owners ask first
Every page, PDF or photos off your phone. We will find the pages that matter.
Your next statement is already being written.
Your next statement is already being written.
Send the last one. Every line on it that is not interchange comes back marked, in writing.
No cost, no call, nothing switches. Two business days.
Tell us what you sell.
The trade, roughly what goes across the counter, and how you take it today.
Contact Information
Groups get one account across every site, with reporting per location and one deposit.
⏱️ Marked-up statement back in two business days. No call required.
Independent Sales Representative Website · Merchant approvals subject to underwriting and processor review · Not a bank, lender, or financial institution · Rates shown are proposals pending representative approval. Platform operated by Residual Pilot.