What we do
We're an independent payments agent. We take a merchant's processing statements apart, find what they really pay, and put their volume in front of processing partners that offer transparent interchange-plus pricing. Then we negotiate the pricing and manage the switch with the merchant's team.
We started with Stripe merchants because the gap is clearest there: a flat rate that's excellent for a new business becomes expensive at tens of millions a year, and many growing companies never revisit it.
Our model
Independent
We are not owned by a processor and we don't run processing infrastructure. We work for the merchant's outcome.
Free analysis
The statement analysis costs nothing and carries no obligation, whatever it shows.
Paid by the partner
If you switch, the processing partner pays us a share of its revenue. It's already inside the pricing you see; there's no separate bill. More on how we get paid
Who processes your payments
Card processing, settlement and underwriting are provided by a licensed processing partner. The partner is named in every proposal, along with its licensing and compliance details, before you sign anything.
| Task | Us, your agent | Processing partner |
|---|---|---|
| Statement review and savings analysis | Yes | |
| Pricing negotiation | Yes | |
| Underwriting and approval | We prepare the application | Decides |
| Card authorization, processing and settlement to your bank | Yes | |
| Card data migration from Stripe | We coordinate | Receives the data |
| Switch plan and testing | Yes, with your team | Provides test accounts |
| Ongoing support | Yes, a named contact | Yes, technical and settlement |
Processing is provided by a licensed processing partner, named in your proposal before you sign anything.
How we write about fees
Our guides use published prices with the date we checked them, show every assumption in worked examples, and never present an estimate as a quote. If a number on this site is wrong, tell us and we'll fix it.