The Model We Recommend
Interchange-plus, explained simply
Every card transaction has three cost layers. Understanding them is the key to a fair deal — so you always know which part of the price is actually negotiable.
We believe you should never be surprised by a fee. Here's how pricing works in merchant services — and how we approach it.
Every card transaction has three cost layers. Understanding them is the key to a fair deal — so you always know which part of the price is actually negotiable.
Every card transaction has three cost layers. Understanding them is the key to a fair deal:
With interchange-plus, you always see the true network cost plus a clearly stated markup. That transparency is why we generally favor it over bundled "tiered" or "flat-rate" pricing, where the markup is hidden inside a single number.
Our consulting engagements are scoped to your needs. Below is a general outline — final scope and any fees are confirmed in writing before we begin.
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Free initial statement review | Yes | Yes | Yes |
| Plain-English fee breakdown | Yes | Yes | Yes |
| Provider comparison | Basic | Detailed | Detailed |
| POS / equipment guidance | — | Yes | Yes |
| Contract term review | — | Yes | Yes |
| Chargeback process setup | — | Add-on | Yes |
| Periodic ongoing reviews | — | Annual | Quarterly |
| Best for | Solo & very small | Growing SMBs | Multi-location / high volume |
| Engagement fee | Free consult | Custom quote | Custom quote |
We provide custom quotes rather than fixed prices because every business is different. You'll always know the cost before any paid work begins.
Part of our job is spotting charges that quietly inflate your effective rate. Common ones include:
Often avoidable by completing a simple annual questionnaire.
Small recurring charges that add up over a year.
Long, non-cancelable leases that cost far more than buying.
Penalties for leaving a contract early — worth knowing before you sign.
Start with a free statement review. If paid consulting makes sense for you, we'll give you a clear quote first — no surprises.
Request Your Quote