The Nation's Largest Merchant Services Audit Firm
We Recover the Savings Your Processor and Bank Are Quietly Keeping.
$25B+
Monthly Receivables
Audited
0
Vendor Changes
Required
100%
Contingency-Based
Engagements
Independent. Specialized. Built for Complex Environments.
Merchant Monitors is an independent merchant services auditing and consulting firm headquartered in Brooklyn, New York. We work with middle market operators, enterprise organizations, and private equity portfolios across every industry that accepts credit cards, processes electronic payments, or holds depository accounts at scale.
We are not a processor. We are not a broker. We do not take referral fees from any vendor we audit. That independence is the foundation of everything we do. Our only objective is delivering the greatest possible savings to our clients while keeping every banking, processor, and ISO relationship exactly where it is.
Today we audit more than $25 billion in monthly credit card receivables and benchmark fees against thousands of comparable Fortune 1,000 analyses. That scale gives us a pricing data set no broker, ISO, or in-house finance team can match, and it is the reason our recommendations carry weight at the negotiating table.
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Four Services. One Outcome.
Every Engagement Is Built to Recover Hard-Dollar Savings Without Disrupting a Single Vendor Relationship.
Merchant Services Audit Line-by-line review of every fee on your processing statements, benchmarked against what your volume and risk profile should command.
Fee Restructuring Direct negotiation with your existing processor to recover overcharges, eliminate junk fees, and rebuild pricing around your real transaction profile.
Ongoing Monitoring Statement-level monitoring through proprietary software to protect every dollar of recovered savings against future rate creep.
Bank Depository Audit A parallel audit of your bank account analysis statements, benchmarked against thousands of comparable Fortune 1,000 analyses, with overcharges recovered directly from your existing bank.
A Pure Contingency Model. No Risk to the Engagement.
Most consulting engagements ask the client to assume the risk. Merchant Monitors works the opposite way. Every engagement is structured on a pure contingency basis, which means we get paid only when we deliver verified, hard-dollar savings. If we do not find recoverable fees, you do not pay. If we do, our fee is a share of the savings we have already proven.
That structure aligns our incentives with yours from the first conversation. We have no reason to recommend a switch you do not need, no incentive to push a product you do not want, and no margin to protect on the back end. The cleaner the audit, the bigger the savings, the better the outcome for everyone.
It is also why our process moves fast. With ninety days of statements, our team can deliver a written estimate of your annual savings opportunity in under fifteen minutes of your time. No sales call required to find out the number.
Built for the Complexity Most Firms Cannot Handle.
We service businesses across every industry, with deep specialization in environments where merchant fees and treasury costs run into the millions. Our client base spans healthcare networks, hospitality groups, multi-location retailers, B2B and SaaS operators, manufacturing, professional services, and beyond.
Three columns:
Middle Market and Enterprise Multi-location operators, high-volume e-commerce platforms, and complex omnichannel businesses where processing and treasury fees are a meaningful operating expense and the line items are too dense for any internal team to audit alone.
Private Equity We partner directly with private equity groups to audit acquisitions during diligence, run portfolio-wide savings programs post-close, and deliver clean EBITDA add without operational risk. Most of our PE engagements pay for themselves inside the first audit cycle.
Every Industry Healthcare, hospitality, retail, B2B, SaaS, manufacturing, professional services. If your business accepts credit cards or holds depository accounts at scale, the savings are there to find. Our methodology is industry-agnostic because the fees we audit are universal.
The Difference Between an Audit and a Sales Pitch.
The merchant services industry is full of "auditors" who are actually brokers in disguise. They offer a free audit, deliver a slick report, and then quietly route you to a partner processor that pays them a referral fee. The savings are real, but you have just been switched into a new contract that will start creeping the moment the ink dries.
We do not sell processing. We do not take referral fees. We never recommend a switch unless one is genuinely in your interest, and in the vast majority of our engagements, no switch is needed at all. The savings live inside your existing contract. They have always lived there. We just have the data and the process to find them.
Four-column proof point row:
Truly Independent We do not sell processing or banking products. No referral fees. No partner agreements. No conflicts of interest.
Pure Contingency No savings, no fee. Our incentives are aligned with yours from the first call.
Benchmark Data at Scale $25B+ in monthly receivables audited and Fortune 1,000-grade banking analyses. We know what fair pricing looks like.
Built to Last Recovered savings are protected by ongoing monitoring, not handed off and forgotten.