Stop losing the swipe · Hampton Roads, VA
Merchant accounts that do not quietly tax you
Cash in pockets is shrinking. If you cannot take the card — at a rate that does not quietly tax the business — you are leaving sales on the table.
Square and PayPal are convenient. They are rarely the rate leader, and they restrict entire industries. A proper merchant account is how money actually moves when you are serious about volume.
We review the last three months of statements for existing accounts and often find 0.5% that nobody noticed. On $1,000,000 a month, that is $5,000 a month — $60,000 a year — that was never a ‘fee,’ it was a leak. New businesses get set up at the rate they should have had on day one.
Who it is for
Businesses that take cards and suspect they are paying too much, businesses that have outgrown a convenient app, and new businesses that want the right rate from day one. It also helps businesses in industries that the popular payment apps restrict.
What is included
For existing accounts, a review of your last 90 days of statements to find where the fees are hiding. Then we shop rates across processors that fit your merchant category code (MCC) and set up the payment paths you actually use: card-present at the counter, invoicing, and online checkout.
How it works
Send the last three months of processing statements. We read them line by line and show you the effective rate you are paying and what a better fit could look like. If switching makes sense, we help with the setup. New businesses go straight to setup at the rate they should have had on day one. A merchant account touches the rest of the business too: deposits flow into your books, and online checkout lives on your website.
Read more: why your business needs a merchant account and why to offer customers a range of payment options.
Questions about merchant account
- Can you lower my card-processing rate?
- Bring the last 90 days of statements. Half a percent on real volume is not small — on $1,000,000 a month that is $60,000 a year. Square and PayPal are convenient; they are rarely the rate leader.
- What do I need to send for a statement review?
- The last three months (90 days) of processing statements. We read them for the effective rate and the fees that are easy to miss.
- Do you work with new businesses?
- Yes. New businesses get set up at the rate they should have had on day one, with the card-present, invoicing, or online checkout paths they need.
- Are Square or PayPal good enough?
- They are convenient, and fine for getting started. They are rarely the rate leader, and they restrict entire industries. Once volume is real, a proper merchant account is worth a look.
Let’s have a conversation
Say hello.
Submit once. You are assigned a consultant as your direct contact — email, text, or call a human. Mon–Sat 10:00am – 6:00pm.