Most processing contracts are signed once and never reviewed again. Rates drift up. New fees get added. The processor makes money quietly. We make that money visible — and give you the option to get it back.
Send Your StatementIf you've been with the same provider for 24+ months and haven't renegotiated, you're probably paying 30-60% more than current market rates. We'll show you exactly how much.
If your monthly statement contains lines you don't understand — interchange differential, scheme fees, authorisation surcharges — that's by design. We translate the entire document into plain language.
Legacy acquirers are notorious for excellent onboarding service and disappearing afterwards. Our partners are selected partly on the quality of their ongoing merchant support.
The process is genuinely simple. Most of the work happens on our end. Here's what you can expect, with timing.
Email us your most recent processing statement (any provider, any format). Or use the merchant portal to upload it directly. We can read PDFs, scanned images, or photos taken on your phone.
Our analysis tool extracts every fee on your statement — including the ones designed to be hard to find. We identify your true effective rate, your surcharge structure, and the categories where the largest savings exist.
A custom calculator with your actual numbers — current rate, optimized rate, year-1 and year-3 projected savings. You can adjust scenarios (volume growth, seasonal variation) and see how the math changes.
A 15-minute call to walk through the analysis, answer questions, and outline what switching would actually involve. If the numbers don't justify a switch, we tell you that directly. If they do, we explain the next steps.
If you decide to proceed, we handle the paperwork, terminal logistics, and transition to the new acquirer. We coordinate with your existing processor for a clean cancellation. You don't lose a single day of card acceptance.
Your savings begin from the first transaction on the new processor. We follow up at 30, 90, and 180 days to confirm everything is performing as projected and address any issues with the new acquirer.
Every statement is different, but the patterns are consistent. These are the places we examine first.
Many legacy processors charge merchants the difference between estimated and actual interchange — and pocket the variance. Modern interchange-plus pricing eliminates this entire category.
"Qualified," "mid-qualified," "non-qualified" pricing structures are designed to be opaque. We translate your tier mix into actual interchange-plus equivalents and show you the gap.
If you're paying €15-30/month for PCI compliance you don't need (or aren't actually compliant under), there are partners who include it for free.
Terminal rentals at €30-60/month add up to terminals you've paid for several times over. We flag whether your processor offers ownership-based alternatives.
Visa and Mastercard scheme fees are mandatory, but how they're passed through varies enormously. Some processors mark them up by 30-50%.
Per-transaction surcharges that look small individually but add 15-25 basis points to your effective rate at volume. We benchmark these against current market.
Twelve minutes of analysis. A personalized comparison delivered the same day. A fifteen-minute conversation if the numbers warrant it. No commitment, no pressure, no obligation if you'd rather stay where you are.
Send a Statement →