Industries
A rate sheet that ignores your category is guessing
Card mix, ticket size, chargeback profile and settlement timing differ enormously by sector — and each one moves your effective rate. We start from the sector, not the sheet.
Restaurants & hospitality
Thin margins, heavy card mix, and a POS that reports yesterday.
Hospitality runs the highest card-present volume of any category and some of the thinnest operating margins. A 40-basis-point difference in effective rate is a line cook. Meanwhile the operating questions that decide the quarter — which daypart carries margin, which discount is buying nothing — sit in the settlement file rather than the POS report.
Our approachHigh-risk & specialty retail
The category is not the problem. The underwriting file is.
Nutraceuticals, CBD, firearms, subscription billing, travel, debt relief — categories where an acquirer's decline is a policy setting rather than a judgment about your business. Merchants in these verticals typically overpay, sit behind punitive reserves, and carry single-acquirer risk that turns one policy change into a revenue outage.
Our approachRetail & e-commerce
Card-not-present pricing rewards the merchants who read their statements.
E-commerce interchange carries downgrade categories that a blended statement hides completely. Missing AVS data, late settlement, incorrect MCC and unqualified transactions quietly move basis points every month, and the merchant statement is designed not to show it.
Our approachProfessional services
Large tickets, recurring billing, and a compliance obligation attached to every card on file.
Firms billing in thousands rather than tens carry disproportionate interchange exposure per transaction, and any card stored for recurring billing puts the firm inside PCI scope. Most professional-services merchants are running card-on-file through a gateway they have never had assessed.
Our approachTell us how your business actually runs.
A scoping conversation costs nothing and ends with a straight answer on whether a custom build is worth it — and what your card acceptance should cost.