An Independent Advocate for What You Pay to Process Payments
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.
Not a Broker. Not a Processor. Your Advocate.
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. Our AI agent reads the statements line by line, benchmarks every fee against what your scale should command, and reclaims what you are overpaying, all on a pure contingency basis.
We Audit, Restructure and Protect
Our work falls into three 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 reclaim it. And we monitor your statements so the savings hold.
Across all of it, nothing about your operation changes. Same bank. Same processor. Same tech stack.
Explore Our ServicesHow We Work
Three steps, one principle: no savings, no fee.
Find It
Our AI agent reviews your ERP, payment gateway, contracts, and current pricing, then reverse-engineers every line-item cost. You get a written breakdown of your true all-in cost before you commit to anything.
Restructure It
As your merchant advocate, we negotiate directly with your existing processor, card type by card type. We restructure pricing, eliminate surcharges and downgrades, and validate contracted rates.
Monitor It
Processors raise rates quietly over time. Our AI agent watches every statement, flags rate creep the moment it appears, and intervenes before it lands on your P&L.
Built for Complex Merchant Environments
Middle Market & Enterprise
Multi-location operators, high-volume e-commerce, and complex omnichannel businesses where fees run into the millions.
Private Equity
Audit acquisitions during diligence and run portfolio-wide savings programs post-close. Clean EBITDA add. Zero operational risk.
Every Industry
Healthcare, hospitality, retail, B2B, SaaS, manufacturing, professional services. If you accept cards, there are savings to find.
The Largest Merchant Services Auditing Firm in the Country
We have audited more than $25 billion in monthly credit card receivables. That scale gives us a pricing benchmark no broker, ISO, or in-house finance team can match.
No Vendor Switching
Your bank, processor, and tech stack stay in place.
Pure Contingency
No savings, no fee. We get paid when you save.
Built for Complexity
Multi-location, omnichannel, and PE-backed environments.
Ongoing Protection
Savings are monitored long after the audit closes.
Find the Savings Hiding in Your Statements.
Send thirty days of statements and we will tell you exactly what you are overpaying and how much we can reclaim. The audit is free, the engagement is contingency-based, and the risk is zero.