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Four Ways We Recover What You Are Overpaying

From the first audit to long-term monitoring, every engagement is built to find hidden costs and keep them out, without touching your existing relationships.

01 / Audit

Merchant Services Audit

Full Transparency Into Every Line Item You Are Paying For

Statements are intentionally complex, and processors rely on that complexity to bury margin. We review your ERP, payment gateway, merchant services contracts, and current pricing structures, then reverse-engineer every line-item cost from interchange to assessments to processor markup. You get a clear, written breakdown of your true all-in cost and a side-by-side view of exactly where you are being overcharged.

What We Review

  • ERP and payment gateway configuration
  • Merchant services contracts and current pricing
  • Interchange, assessments, and processor markup, line by line

What You Get

  • A complete, plain-English picture of your processing costs
  • Hidden surcharges, padded interchange, and inflated markups identified
  • A documented savings opportunity before you commit to anything
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AUDIT · LINE-ITEM REVIEW Illustrative Interchange Pass-through Assessments Verified Processor Markup OVERCHARGE Recover Tiered Downgrades OVERCHARGE Recover Junk & Padded Fees OVERCHARGE Recover Effective rate rebenchmarked, line by line.
02 / Recover

Fee Restructuring

Real Savings, Captured Without Switching Banks or Processors

Once we know where the overcharges are, we go to work recovering them. As your merchant advocate, we negotiate directly with your existing processor on your behalf, card type by card type. We restructure pricing, eliminate junk fees, and rebuild the contract around your actual transaction profile. No hardware swaps. No new banking partners. No point of sale changes. The savings show up in your next statement.

What We Review

  • Your actual transaction and card-type profile
  • The existing processor agreement and its junk fees
  • Effective rate measured against our benchmark

What You Get

  • Lower effective processing rates with zero operational disruption
  • Vendor relationships preserved and often strengthened
  • Hard-dollar savings that drop straight to the bottom line
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EFFECTIVE RATE · BEFORE / AFTER Illustrative Before After Recovered Lower rate. Same bank. Same processor.
03 / Protect

Ongoing Monitoring

Keep the Savings, Permanently

Saving money once is easy. Keeping it saved is where most companies lose ground. Processors quietly raise rates, reintroduce surcharges, and add pass-through fees over time. Through our proprietary monitoring software, we function as an extension of your finance team. We watch every statement, flag rate creep the moment it appears, and intervene with your processor before the cost lands on your P&L.

What We Review

  • Every statement, across every location and merchant ID
  • Rate and surcharge changes as they appear
  • Pass-through fee creep between renewals

What You Get

  • Statement-level monitoring across every location and merchant ID
  • Immediate alerts when fees or surcharges change
  • Long-term protection of every dollar we recover for you
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RATE MONITORING · ALERTS Alert & intervention Held rate Rate creep caught before it lands on your P&L.
04 / Extend

Bank Depository Audit

Recover the Hidden Costs Sitting Inside Your Banking Relationship

Merchant fees are not the only place your money is leaking. Bank account analysis statements come with their own layer of treasury fees, service charges, earnings credit rates, and product line items that rarely get audited with the same rigor. We review every fee across every entity and account, benchmark them against what your balances and transaction volume should command, and recover the overcharges directly from your existing bank.

What We Review

  • Account analysis statements across every entity and account
  • Treasury fees, service charges, and earnings credit rates
  • Balances and transaction volume measured against your terms

What You Get

  • Account analysis statements reviewed line by line across every entity and account
  • Treasury fees, service charges, and earnings credit rates benchmarked against your deposit profile
  • Recovered fees and improved terms negotiated with your existing bank, no relationship disruption
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ACCOUNT ANALYSIS · ALL ENTITIES Acct 1 Acct 2 Acct 3 Acct 4 Treasury Fees Service Charges Earnings Credit Maintenance Recovered Reviewed Every fee, every account, benchmarked.
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Find the Savings Hiding in Your Processing Statements.

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.