Lower Your Merchant Fees Without Switching Banks or Processors

Contingency-Based Merchant Services Auditing and Consulting With No Savings and No Fee.

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$25B+

Monthly Receivables
Audited

0

Vendor Changes
Required

100%

Contingency-Based
Engagements

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Your Processor Is Not on Your Side

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.

There is a reason for that.

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. Pricing structures shift quietly over time. 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 Overpaying →

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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.

The Value:

  • 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


Learn More About Our Audit Process →

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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.

The Value:

  • Lower effective processing rates with zero operational disruption

  • Vendor relationships preserved and often strengthened

  • Hard-dollar savings that drop straight to the bottom line


Learn More About Fee Restructuring →

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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.

The Value:

  • 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


Learn More About Ongoing Monitoring →

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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.

The Value:

  • 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


Learn More About Bank Depository Audit →

See What You Are Overpaying.
In 15 Minutes.

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.

Get a Free Audit
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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 and Enterprise
Multi-location operators, high-volume e-commerce, and complex omnichannel businesses where processing fees run into the millions.

Private Equity
We partner with PE groups to audit acquisitions during diligence and run portfolio-wide savings programs post-close. Clean EBITDA add. Zero operational risk.

Every Industry
Healthcare, hospitality, retail, B2B, SaaS, manufacturing, professional services. If you accept cards, there are savings to find.


Talk to Our Team →

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The Largest Merchant Services Audit Firm in the Country

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.

No Vendor Switching
Your bank, processor, and tech stack stay in place.

Pure Contingency
No savings, no fee. We get paid when you save.

Built for Complexity
Multi-location, omnichannel, and PE-backed environments.

Ongoing Protection
Savings are monitored long after the audit closes.

News & Insights

Featured
The Hidden EBITDA Add for PE Operators: Auditing Merchant Services Across the Portfolio
The Hidden EBITDA Add for PE Operators: Auditing Merchant Services Across the Portfolio

Operating partners spend most of their time hunting for the next 100 to 300 basis points of EBITDA improvement across the portfolio. They look at procurement, headcount, pricing strategy, working capital, and SG&A optimization. What they almost never look at, even though it is sitting on every P&L in the portfolio, is merchant services and bank fees. It is one of the cleanest, most scalable, and most overlooked EBITDA adds available to a PE operator. Here is how to run the playbook.

Merchant Services Audit vs. Switching Processors: Why One Wins Almost Every Time
Merchant Services Audit vs. Switching Processors: Why One Wins Almost Every Time

When a CFO realizes the company is overpaying on credit card processing, the first instinct is almost always the same. Switch processors. It feels decisive. It is also usually the wrong move. In our experience auditing more than $25 billion in monthly receivables, switching is the right answer in fewer than 10 percent of engagements. Here is why an audit recovers more savings, faster, with less operational risk than any processor change.

How to Read a Merchant Services Statement and Spot Where You Are Overpaying
How to Read a Merchant Services Statement and Spot Where You Are Overpaying

Most CFOs have never been taught how to read a merchant services statement. That is not a failure of the finance team. It is a feature of the industry. Processors design statements to bury margin in places that look like pass-through costs, and most companies pay them month after month without questioning what is actually inside. Here is a practical walkthrough of the line items that matter, what fair pricing looks like, and where the overcharges typically hide.