Private Equity
The Hidden EBITDA Add for PE Operators
One of the cleanest, most scalable, and most overlooked EBITDA adds available to a PE operator. Here is the playbook.
Read ArticleMerchant Services Consulting and Monitoring
Lower Your Merchant Services Fees, Without Changing Providers
We leverage our exclusive AI agent to analyze your merchant services statements and deliver complete line-item transparency, all on a fully contingency basis.
Send 30 days of statements. Get a written savings estimate back. No sales call required.
AI Statement Analysis
InterchangePass-through
AssessmentsVerified
Processor MarkupOverchargeRecover
Surcharges & DowngradesOverchargeRecover
Effective RateRebenchmarked
Reviewed line by lineSame bank. Same processor.
Past Experience Servicing
$25B+
Monthly Receivables Audited
0
Vendor Changes Required
100%
Contingency-Based Engagements
The Problem
We Find Savings Hidden Within Your Business
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.
Some Vendors Increase Their Fees Silently During Payment Cycles.
That money is sitting in your P&L right now. 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 OverpayingWhat We Do
Three Ways We Enhance EBITDA & Optimize Business Margins
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.
Contact Us01 / Audit
Merchant Services Audit
Full Transparency Into Every Line Item You Are Paying For
Our AI agent can analyze any format of merchant services statement to ensure you have best-in-class pricing and that margins benefit your bottom line, not your vendors. We reverse-engineer every line-item cost from interchange to assessments to processor markup.
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
02 / Restructure
Fee Restructuring
Real Savings, Captured Without Switching Banks or Processors
As your merchant advocate, we negotiate directly with your existing processor on your behalf, card type by card type. We restructure pricing, eliminate surcharges and downgrades, and validate that contracted rates are in place. The savings show up in your next statement.
What We Review
- Your actual transaction and card-type profile
- The existing processor agreement, surcharges, and downgrades
- 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 add to your bottom-line margins
03 / Monitor
Ongoing Monitoring
Keep the Savings, Permanently
We use our AI agent as a watchdog to monitor vendor fees going forward, so savings do not erode, because saving money one time is not a strategy. We function as an extension of your finance team, watching every statement and intervening 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
Who We Serve
Built for Complex Merchant Environments
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.
Middle Market & Enterprise
Multi-location operators, high-volume e-commerce, and complex omnichannel businesses where processing fees run into the millions.
Private Equity
We audit acquisitions during diligence and run portfolio-wide savings programs post-close. A clean EBITDA add with zero operational risk.
Every Industry
Healthcare, hospitality, retail, B2B, SaaS, manufacturing, and professional services. If you accept cards, there are savings to find.
Common Questions
Questions Clients Always Ask
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 what we recover, 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 recovery.
News & Insights
View All Insights From the Audit Desk
Strategy
Audit vs. Switching Processors
Switching feels decisive. It is also usually the wrong move, the right answer in fewer than 10 percent of engagements.
Read ArticleFree 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 recover. 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.