Contingency-based merchant services auditing and consulting. No savings, no fee.
Send 90 days of statements. Get a written savings estimate back. No sales call required.
Credit card processing is one of the largest line items most companies never audit. For a mid-sized operator, it can run into seven or eight figures a year. For a PE-backed portfolio, it compounds across every business. And in almost every case, no one inside the organization is auditing it line by line.
Statements are buried in interchange codes, surcharges, assessments, and pass-through fees that almost no finance team has the bandwidth or the benchmark data to decode. Processors design it that way. Tiered rates absorb downgrades that should be passed through. Junk fees get added between renewals. By the time someone notices the effective rate has crept up, it has been costing the business for years.
Most companies overpay by 15 to 40 percent and never know it.
That money is sitting in your P&L right now. We find it, we recover it, and we make sure it stays recovered. No new vendors. No operational disruption. No risk to the engagement, because if we do not deliver savings, you do not pay.
Find Out What You Are OverpayingFrom the first audit to long-term monitoring, every engagement is built to find hidden costs and keep them out, without touching your existing relationships.
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.
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.
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.
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.
Send us 90 days of statements. We will send back a written estimate of your annual savings opportunity. No sales call required to find out the number.
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.
One of the cleanest, most scalable, and most overlooked EBITDA adds available to a PE operator. Here is how to run the playbook across the portfolio.
Read ArticleSwitching feels decisive. It is also usually the wrong move. In our experience, switching is the right answer in fewer than 10 percent of engagements.
Read ArticleA practical walkthrough of the line items that matter, what fair pricing looks like, and where the overcharges typically hide.
Read ArticleNinety 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.