FAQ
Questions, Answered Plainly
No hype and no jargon. Here is how the work runs, how we are paid, and what to expect.
What exactly does Merchant Monitors do?
We audit the fees inside your merchant services statements, eliminate the overcharges by restructuring pricing with your existing vendors, and monitor your statements so the savings hold. We are an independent advocate, not a processor or a broker.
Do we have to switch banks or processors?
No. Every engagement is built around keeping your existing relationships in place. No new vendors, no hardware swaps, no point of sale changes. The savings show up on your current statements.
How are you paid?
On pure contingency. If we do not deliver savings, you do not pay. Our fee is a share of the savings, so our incentive is aligned with yours from day one.
How much do companies typically overpay?
Most companies are overpaying and do not realize it, because the costs are buried in statements built to be hard to read. The only way to know your number is an audit, and the audit is free.
What do you need to get started?
Thirty days of recent statements. We return a written estimate of your annual savings opportunity, with no sales call required to see the number.
Will an audit disrupt our operations or our team's time?
No. We work from your statements and handle the conversations with your processor. The lift on your side is small: send statements, review our findings, and approve the changes.
How long does an audit take?
It depends on the size and complexity of your environment. We will give you a clear timeline once we have reviewed your statements.
What happens after the savings are captured?
We monitor your statements on an ongoing basis so the new rates hold. Processors tend to let fees creep back up over time, and catching that early is part of the engagement.
Isn't switching processors cheaper than running an audit?
Rarely. In our experience auditing more than $25 billion in monthly receivables, switching is the right answer in fewer than 10 percent of cases. An audit usually delivers more, faster, with far less operational risk. We walk through the math in this article.
How do you handle our data?
Your statements are kept confidential and used only to run your audit. We are happy to sign an NDA before you share anything.
Is this relevant for private equity portfolios?
Very. Merchant fees sit on every P&L in a portfolio and are one of the cleanest, most scalable EBITDA adds available. We audit during diligence and run portfolio-wide programs post-close.
What kinds of businesses do you work with?
Middle market and enterprise operators, high-volume e-commerce, omnichannel businesses, and PE-backed portfolios across every industry that accepts cards.
Do you work with businesses outside the United States?
Our focus is US merchant and banking statements. If you have international operations, we can walk through what would be in scope before you commit.
Free Audit
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.
No sales call requiredContingency-basedWritten estimate in 30 days
If we do not find savings, you do not pay.