Reporting & analytics
See sales, trends, and your real costs in one dashboard — turn payment data into smarter decisions.
Processing should be simple to understand and easy to afford. My focus is zero-cost processing — a transparent, compliant program that for many businesses eliminates the processing bill entirely. Where zero-cost isn't the right fit for your customers, I'll restructure your account for a steep, transparent reduction instead. Either way, you'll see the exact numbers before you change a thing.
Path 1 — Zero-cost processing. Using a compliant dual-pricing or surcharge program, the cost of card acceptance is offset at the point of sale rather than coming out of your margin. For many businesses, that brings their effective monthly processing cost to zero or near it. It's set up to follow card-brand rules and your state's regulations, with clear signage and customer disclosure done correctly.
Path 2 — Severe rate reduction. If zero-cost isn't the right fit for your business or customer base, I restructure your account on transparent interchange-plus pricing — you see the true network cost, you see my margin, and nothing else. No tiers, no padding, no surprises. For most merchants coming off a tiered or "flat-rate" plan, this alone is a major monthly savings.
Which path fits depends on your business type, ticket size, and customers. The free statement review tells us — and I'll recommend the one that actually serves you, even if that means staying where you are.
It does not mean payments are magically free — it means the acceptance cost is structured so it no longer eats your margin, through a program that follows card-brand and state rules. I'll show you exactly how it works for your business, with real numbers, before you decide.
Whatever path you choose, you get clear pricing explained up front and no surprise fees buried on page three. You'll always know exactly what you're paying and why — that's the whole point.
Slide to your rough monthly card sales. This illustrates typical all-in processing cost (often 3–4%) on a tiered or flat-rate plan — your real number comes from your statement.
Illustrative: many merchants on tiered or flat-rate plans pay around 3–4% all-in. I can typically place you at 1.5–1.9% — and with a compliant zero-cost dual-pricing program, your processing cost can be offset to near $0. Your exact figure comes from your statement, free.
Get my exact numberWith a compliant dual-pricing program, the cash and card price are both shown up front. A flat 3% card fee is added for paying by card — customers choose, and you keep your full price either way.
What you keep, in full.
A flat 3% card fee is added at checkout — paid by the customer, not taken from your margin.
Signage and customer disclosure are set up correctly, per card-brand rules and your state’s law.
Pull out your most recent merchant statement and look for these. Understanding them is the first step to paying less — and I'm glad to walk through each one with you.
You were quoted one rate; your real rate — total fees ÷ total volume — is almost always far higher. That gap is the first thing I calculate for you.
"Qualified / mid-qualified / non-qualified" buckets exist to route your transactions into higher-priced tiers. Interchange-plus pricing removes the game entirely.
PCI, statement, batch, "regulatory," and annual fees add up quickly. On a transparent account, you'll know which are real network costs and which can come off entirely.
Buying hardware outright ties up cash you could put toward growth — and locks you into a device that ages out. I set you up with the latest Clover, Square, and more on flexible terms, fully supported, so your equipment stays current and your cash stays free.
However your customers want to pay — in person, online, on the go, or on a recurring plan — I'll set you up to take it, all on one account with zero-cost pricing applied across the board.
Chip, swipe, and contactless tap at the counter, tableside, or out in the field.
Apple Pay, Google Pay, and tap-enabled cards — fast, secure, and what customers now expect.
Take payments on your website or platform with developer-friendly APIs and hosted checkout.
Send a pay-by-link invoice or key in a card from any browser — no extra hardware needed.
Automatic recurring billing for memberships, retainers, and payment plans.
Visa, Mastercard, Amex, Discover, and EBT — accept whatever your customers carry.
Cutting your processing cost is the start. The same account comes with tools that help you understand your numbers, get paid faster, and bring customers back.
See sales, trends, and your real costs in one dashboard — turn payment data into smarter decisions.
Next-day deposit options so the money from today's sales doesn't sit in limbo for days.
Built-in gift cards and loyalty programs that bring customers back and lift repeat revenue.
Most owners have no idea what their effective rate actually is. Enter two numbers from your statement and find out in seconds — then see both ways I could lower it.
Grab your most recent merchant statement and enter:
How much you ran in credit & debit cards (look for “total volume” or “sales”).
The grand total your processor took — rates, per-transaction fees, and every add-on. Usually near the bottom.
*Estimates for illustration, not a quote. The transparent-rate range assumes a 30–60% reduction in total processing cost; zero-cost assumes a compliant dual-pricing program that offsets the cost. Actual results vary by business type, card mix, and ticket size. A free statement review gives you exact numbers.
Get My Exact Numbers — FreeLowering your rate is only half the story. The other half is running on equipment that actually helps you sell more — and a zero-cost program works across all of it.
Whether you need a full Clover or Square POS, a self-ordering kiosk that lifts your average ticket, a kitchen display that speeds up service, a simple countertop terminal, a mobile reader, or e-commerce built into your website — I can set you up with any equipment your business needs to grow. Not whatever a rep is trying to move that month. What actually fits you.
Explore all equipment →Is zero-cost processing legal?
Yes — when it's set up correctly. Dual-pricing and surcharge programs are governed by card-brand rules and state law, with requirements for signage, disclosure, and caps. I handle the setup within that framework so you stay compliant.
Will my customers be upset?
Most won't notice or mind. Customers have seen this at gas stations and countless small businesses for years, and a cash-paying customer still gets the lower price. Done transparently, it rarely costs you sales.
Does it work for my business type?
It fits most retail, restaurant, and service businesses. For a few — depending on ticket size and customers — a transparent rate reduction is the better move. I'll tell you honestly which one serves you.
What if I have a contract with my current processor?
Many merchants can switch more easily than they think. Bring your agreement to the free review and I'll tell you exactly where you stand — including any early-termination terms to plan around.
How fast can I switch?
Most businesses are approved and set up within days. Switching means new equipment that supports the program — and I provide it, set up and ready, so you're never patching together old hardware.
What does it cost to find out?
Nothing. The statement review is free, there's no obligation, and you keep the analysis either way. If your current deal is genuinely good, I'll tell you to keep it.
Tell me a little about your business and I'll put together a transparent, no-obligation quote — including whether a zero-cost program is right for you.
Free 15-minute statement review. You'll leave knowing your real effective rate and exactly what zero-cost or reduced-rate processing would do for you.
Get My Free Statement ReviewBring your merchant statement to a free call and find out what you're really paying — and what your business could qualify for.
Book My Free 15-Minute Review Prefer to talk first? Call or text (808) 396-0150