Merchant Services Consulting Built to Recover Real Savings
Four Contingency-Based Services. One Outcome. Lower Fees, Same Vendors.
$25B+
Monthly Receivables
Audited
0
Vendor Changes
Required
100%
Contingency-Based
Engagements
Merchant Services Audit
Full Transparency Into Every Line Item You Are Paying For
Most companies have never seen their true cost of accepting credit cards. Statements are designed to keep it that way. Effective rates blend dozens of charges into a single number, contracts bury margin in fine print, and the people who could decode it all are the same people billing you. We are independent, we have no incentive to maintain the status quo, and we know exactly where the money is hiding.
What We Audit:
Interchange categorization and downgrade exposure
Assessment fees and network pass-throughs
Processor markup, BIN sponsorship, and ISO margin
Gateway, tokenization, and PCI compliance fees
Contract terms, auto-renewals, and early termination clauses
Pricing model accuracy (interchange-plus, tiered, blended)
The deliverable is a written report that any CFO, controller, or PE operator can read in twenty minutes. It shows your true effective rate, the dollar amount you are overpaying annually, and a clear path to recovery.
The Value:
A complete, line-by-line picture of your real processing cost
Hidden surcharges, padded interchange, and inflated markups identified
A documented savings opportunity before you commit to anything
Fee Restructuring
Real Savings, Captured Without Switching Banks or Processors
Most savings strategies in this industry start with "switch your processor." Ours does not. Switching is disruptive, risky, and usually unnecessary. Your processor wants to keep your business. They will negotiate. The reason they have not is that no one inside your organization has ever sat across the table with the benchmark data to push them.
What We Restructure:
Card-by-card pricing across credit, debit, and commercial volumes
Processor markup, ISO margin, and network pass-throughs
Junk fees including statement, batch, PCI, and compliance charges
Contract terms, length, and termination provisions
Pricing model conversion to true interchange-plus where appropriate
Surcharging and cash discount programs where they apply
We bring that data. We negotiate every line item. Your processor keeps the relationship, you keep your operations untouched, and the savings show up the following month.
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
Ongoing Monitoring
Keep the Savings. Permanently
A merchant audit recovers savings. A monitoring program protects them. Without one, you are exposed to a slow, predictable pattern: a few months of clean statements, then a small rate adjustment, then a new pass-through fee, then a contract amendment buried in an attachment. By year two, half the savings can quietly disappear. We make sure that does not happen.
What We Monitor:
Effective rate trends across every merchant ID and location
New or reintroduced fees, surcharges, and assessments
Interchange downgrades and category misclassifications
Contract compliance and pricing model integrity
Network rate changes and pass-through accuracy
Refund, chargeback, and adjustment activity
Our monitoring software ingests every statement automatically, flags variances the moment they appear, and routes them to our team for review. If something needs to be challenged with your processor, we handle the conversation directly.
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
Bank Depository Audit
Recover the Hidden Costs Sitting Inside Your Banking Relationship
Bank account analysis statements get filed and forgotten. Most finance teams scan the total, confirm it is roughly in line with last month, and move on. Inside that total are dozens of product groups and hundreds of unit charges, and very few of them are ever benchmarked. That is where we start. We treat your banking relationship the way we treat your processor relationship: line by line, fee by fee, against real comparison data.
What We Audit:
ACH services including credits, debits, file handling, and fraud review
EDI services including data transmission and reporting translation
Lockbox services including items processed, keystroke fees, image capture, and extended retention
Account reconciliation services including full reconciliation, positive pay, and ARP reports
Funds transfer activity including wires out, wires in, and token fees
Deposit tickets, check float, account maintenance, and information reporting
Our review benchmarks every product group against thousands of comparable analyses from Fortune 1,000 companies, drills into unit costs and ratios per service, and identifies where your bank is charging above market. We then recover the overcharges directly from your existing bank without disrupting the broader relationship.
The Value:
Account analysis statements reviewed line by line across every entity
Treasury fees and earnings credit rates benchmarked against Fortune 1,000 data
Recovered fees and improved terms negotiated with your existing bank, no relationship disruption