Payment Processing & Merchant Services That Stop Fees Eating Your Hard-Earned Profit Margins.
Modern payment gateways, true interchange-plus rates, and a 100% Free Statement Analysis that shows you — line by line — exactly where your money is going.
Free Smart POS Equipment Upgrade Promotion — switch or sign up and your new terminal is on us.
Whether you're starting fresh or switching smart
New Merchant Accounts & Gateways
DTC Gateway Integrations
Plug into your site, invoicing tool, or POS in hours — pre-built connectors for the platforms you already run on.
Fast, Friendly Underwriting
New merchant accounts come with clear, written terms; we'll reach out with next steps.
Unified Sales Data
Online, in-store, and invoice payments roll into one dashboard so reconciliation stops eating your weekends.
Existing Processing Optimization
100% Free Statement Audit
Upload one recent statement and we'll line-item every fee — then show you exactly what you should be paying.
True Interchange-Plus Pricing
Pay the real card network cost plus one small, transparent markup. No tiers, no surcharges hiding in the fine print.
Statement Review
A statement review shows your effective rate and whether a change is worth it. Results depend on your statement.
Specialized processing for how you sell
E-Commerce Brands
High-converting checkout gateways, subscription billing, and chargeback defense built for online sellers.
Retail & Restaurants
Tap-to-pay smart terminals, tip and table management, and next-day funding to keep the register ringing.
B2B Professional Services
Level 2/3 interchange optimization on corporate cards — often the single biggest fee cut for B2B invoices.
RateClear TrueAudit™
See your true processing rate in 30 seconds
Enter three numbers from your latest card processing statement. We'll show your real effective rate, how much is markup, and a benchmark against interchange-plus pricing.
Interchange averages ~1.5–2.2% depending on card mix (debit, rewards, business cards, keyed-in sales).
Your effective rate
2.90% · Likely overpaying
Est. markup & extra fees / mo
$550
Interchange-plus benchmark / mo
$1,186
Possible savings
$264/mo · $3,167/yr
Benchmark assumes interchange at cost + 0.30% + $0.10 per sale + $25/mo. Savings are estimates, not guaranteed.
Educational estimate only — not an offer, approval, or rate quote. Our lending partners set final terms after underwriting.
Terms & abbreviations
- Effective rate
- Total fees ÷ total card sales. The single most honest number on any statement.
- Interchange
- The wholesale fee set by Visa, Mastercard, Discover and Amex that goes to the card-issuing bank. No processor can lower it.
- Markup
- Everything above interchange — the processor's margin plus extra monthly fees.
- Interchange-plus
- Pricing that passes interchange through at cost and adds a small, fixed markup. The most transparent model.
- Tiered pricing
- Transactions sorted into qualified, mid-qualified and non-qualified buckets, often with higher surcharges.
- Flat-rate
- One rate for every card (e.g. 2.9% + $0.30). Simple, but often costly at higher volume.
- Average ticket
- Typical sale amount. Small tickets make per-transaction fees matter more.
- PCI fee
- A charge for card-security compliance. A PCI non-compliance fee usually means a form wasn't filed.
- bps
- Basis points. 1 bp = 0.01%; 30 bps = 0.30%.
See your real numbers in one business day
Tell us a little about your business — and if you're already processing, drop a recent statement so we can audit every fee you're paying today.
Questions, Answered
A statement review shows your effective rate and whether a change is worth it. Results depend on your statement, and we show the comparison before you switch anything.
Usually not. Most modern terminals, gateways, and e-commerce platforms are supported, and where a change is needed we cover the equipment swap in the transition plan.
Typical onboarding runs a few business days once your application and statement review are complete, and we schedule the cutover so you never stop taking payments.
Yes. Processing runs on PCI DSS Level 1 compliant infrastructure with end-to-end encryption and tokenization, so card data is never stored on your systems.
High-risk categories are placed with specialty acquirers rather than declined. Tell us your industry and we will be direct about approval odds and pricing. If the bank turned you down →
Already processing cards? Get a free statement review — upload your latest merchant statement and we'll break down your rates and hidden fees at no cost.
Our Passion, Your Growth
Bring us the goal. We’ll help clarify the route.
