Merchant Monitors is a merchant services auditing and consulting firm for organizations whose payment processing has outgrown what any finance team can police from the inside.
Merchant Monitors is a merchant services auditing and consulting firm. We are not a bank, a processor, an ISO, or a broker. We do not sell payment hardware, and we do not move you to a new vendor. We represent one party in the room: you.
Credit card processing is one of the largest line items most companies never audit, and the people who sell it are not motivated to make it simple. We exist to close that gap. We read the statements line by line, benchmark every fee against what your scale should command, and recover what you are overpaying, all on a pure contingency basis.
Our work falls into four areas, from the first audit through long-term protection. We run a line-by-line merchant services audit to find where margin is buried. We restructure your pricing with your existing processor to recover it. We monitor your statements so the savings hold. And we extend the same rigor to your bank depository relationships, where treasury fees and service charges hide in plain sight.
Across all of it, nothing about your operation changes. Same bank. Same processor. Same tech stack.
Explore Our ServicesThree steps, one principle: no savings, no fee.
We review your ERP, payment gateway, contracts, and current pricing, then reverse-engineer every line-item cost from interchange to assessments to processor markup. You get a written breakdown of your true all-in cost before you commit to anything.
As your merchant advocate, we negotiate directly with your existing processor, card type by card type. We restructure pricing, strip out junk fees, and rebuild the contract around your actual transaction profile.
Processors raise rates quietly over time. Through our monitoring software we watch every statement, flag rate creep the moment it appears, and intervene before it lands on your P&L.
We work with operators who take card payments at scale and need a partner who understands the difference between a broker and a real audit.
Multi-location operators, high-volume e-commerce, and complex omnichannel businesses where processing fees run into the millions.
We partner with PE groups to audit acquisitions during diligence and run portfolio-wide savings programs post-close. Clean EBITDA add. Zero operational risk.
Healthcare, hospitality, retail, B2B, SaaS, manufacturing, professional services. If you accept cards, there are savings to find.
We have audited more than $25 billion in monthly credit card receivables across middle market operators, enterprise organizations, and private equity portfolios. That scale gives us a pricing benchmark no broker, ISO, or in-house finance team can match.
Your bank, processor, and tech stack stay in place.
No savings, no fee. We get paid when you save.
Multi-location, omnichannel, and PE-backed environments.
Savings are monitored long after the audit closes.
Ninety days of statements is all we need to tell you exactly what you are overpaying and how much we can recover. The audit is free. The engagement is contingency-based. The risk is zero.