Merchant services
Payment acceptance priced so you can audit it yourself
Interchange and assessments are fixed for every processor in the market. We show you those as separate line items, then compete only on the part that is actually ours.
01 / Interchange
0% cost credit card processing
A compliant cash-discount and surcharge program that moves the processing cost off your P&L without moving customers off your counter.
Card-brand rules permit a merchant to price cash and card differently, provided the disclosure, receipt language and surcharge ceilings are handled correctly. Most 'free processing' offers fail on one of those three. We build the program to the current Visa and Mastercard operating regulations, install the signage and receipt logic, and hold the pricing at zero net cost to the merchant.
- Cash-discount and surcharge programs built to current card-brand rules
- Receipt, signage and disclosure language handled as part of installation
- Statement review before you switch — line by line, against your effective rate
- No cancellation fee and no long-term processing contract
02 / Analytics
Hospitality insight software
Restaurant analytics drawn from the payment networks — daypart, ticket mix, server performance and repeat-guest behavior, without a new integration.
The authorization and settlement stream already knows what your POS reports late: which dayparts carry margin, which tickets are discounted into unprofitability, how many guests came back inside 30 days. We capture that data at the processing layer and present it as operating decisions rather than a dashboard nobody opens.
- Daypart and ticket-mix analysis from settled transactions
- Repeat-guest and lapse rates derived from tokenized card data
- Server and location benchmarking across multi-unit groups
- No POS replacement and no separate hardware
03 / Underwriting
High-risk merchant processing
Placement and underwriting support for the categories that acquirers decline, with the reserve and chargeback structure negotiated up front.
A high-risk decline is usually a documentation problem wearing a category label. We package the underwriting file — processing history, chargeback ratios, refund policy, delivery evidence — and place it with acquirers who write that category deliberately. Where a reserve is unavoidable, we negotiate the rolling percentage and release schedule before you sign, not after your first hold.
- Underwriting file preparation and acquirer placement
- Reserve percentage and release schedule negotiated pre-signature
- Chargeback representment workflow and ratio monitoring
- Multi-acquirer redundancy so a single decline is not an outage
04 / Capital
Business loans and working capital
Capital priced against settled card volume rather than a credit score alone — term loans, lines and merchant advances, brokered rather than sold.
Because we already see settled volume, funding decisions can be underwritten on revenue that is observable instead of projected. We take the file to multiple funders, show you the full cost of capital as an annualised figure — not a factor rate — and let you decline all of them.
- Underwritten against settled processing volume
- Term loans, revolving lines and merchant cash advances
- Cost of capital quoted as an APR, alongside the factor rate
- Multiple funders per file; no single-lender obligation
Every engagement starts the same way
Three statements, one hour of our time, and a written breakdown of where your money is going. No cost and no obligation to switch.
- PCI Level 1 compliant
- The highest of the four PCI DSS validation levels, assessed annually. Tokenization keeps primary account numbers out of your environment and reduces your own scope.
- Next-day funding
- Settlement lands the following business day, American Express included — so card mix stops dictating your payroll timing.
- Transparent pricing
- Interchange, assessment and processor margin shown as three separate numbers. If a statement cannot be decomposed that way, it is hiding something.
- Data at the processing layer
- Authorization and settlement data captured from the card networks and returned as operating decisions, without a new integration.
By business type
Payment economics differ by business type
Card mix, ticket size, risk tier and the interchange downgrades that actually bite are specific to what you do. Pick your business type for the analysis that applies to it.
Food & beverage
Restaurants
$28–$65 · Standard risk
Full-service restaurants run thin margins against the highest card-present volume of any category, where 40 basis points is a line cook.
Coffee shops & cafés
$6–$14 · Standard risk
Low tickets make the per-transaction fee, not the percentage rate, the number that decides your processing cost.
Bars & nightclubs
$32–$120 · Elevated risk
Open tabs, pre-authorizations and a disproportionate chargeback profile put bars in a different underwriting conversation than restaurants.
Food trucks
$12–$28 · Standard risk
Mobile acceptance where the real cost driver is offline transaction handling and flat-rate aggregator pricing.
Caterers
$800–$12,000 · Elevated risk
Large tickets taken as deposits months before delivery — which is precisely the pattern acquirers underwrite carefully.
Retail
Boutique retail
$45–$280 · Standard risk
Two channels with different interchange economics, usually priced as if they were one.
Convenience stores
$8–$32 · Standard risk
Debit-dominant, small-ticket volume where debit routing decisions matter more than your credit rate.
E-commerce sellers
$35–$400 · Elevated risk
Card-not-present interchange with downgrade categories a blended statement is designed to hide.
Home & trade services
HVAC contractors
$350–$14,000 · Standard risk
Seasonal, high-ticket field work where deposits, progress billing and maintenance agreements all bill differently.
Plumbers
$220–$6,500 · Standard risk
Emergency call-outs paid in the field, where mobile acceptance and verification data drive the cost.
Electricians
$280–$9,000 · Standard risk
A mix of residential field work and commercial net-terms billing, each with a different cost profile.
Landscapers & lawn care
$85–$3,500 · Standard risk
Recurring seasonal contracts where the billing engine, not the rate, determines how much revenue you actually collect.
Auto repair shops
$320–$4,200 · Standard risk
Estimate-to-final-invoice drift means the amount you authorize is rarely the amount you settle.
Cleaning services
$120–$650 recurring · Standard risk
A recurring book with high customer counts, where failed-card recovery is the whole game.
General contractors
$4,000–$180,000 · Elevated risk
Very large tickets on long timelines — the profile that draws reserves and where card may not be the right rail at all.
Health & wellness
Salons & spas
$45–$220 · Standard risk
Appointment businesses where prepaid packages and no-show fees quietly move you into card-on-file compliance scope.
Gyms & fitness studios
$45–$250 recurring · Elevated risk
A recurring billing book where involuntary churn from failed cards costs more than your processing rate does.
Dental practices
$180–$4,500 · Standard risk
Large tickets, treatment payment plans and health data adjacency make compliance the expensive variable, not rate.
Veterinary clinics
$120–$2,800 · Standard risk
Emergency spend and wellness plans in one book, where unpredictable large tickets drive both cost and dispute risk.
Medical practices
$95–$3,200 · Standard risk
Patient-responsibility balances collected after adjudication, where card-on-file and Level 2 data decide your real cost.
Professional services
Law firms
$800–$25,000 · Standard risk
Trust accounting rules make law firms the one vertical where how fees are deducted is a professional-conduct question.
Accounting & bookkeeping firms
$400–$9,000 · Standard risk
Extreme seasonality plus a shift to recurring advisory retainers, billed on infrastructure built for neither.
Agencies & consultants
$1,500–$40,000 · Standard risk
Large invoices on net terms, where the cost of card acceptance is worth comparing against ACH honestly.
Property management
$900–$6,500 recurring · Elevated risk
Recurring rent where card interchange on a large monthly amount usually argues for ACH as the primary rail.
Specialty & high-risk
Nutraceutical & supplement sellers
$45–$180 recurring · High risk
A high-risk category where the decline is about substantiation and dispute exposure, not the product.
CBD & hemp retailers
$40–$150 · High risk
A category where acquirer appetite, not your business quality, decides whether you can process at all.
Firearms retailers
$400–$2,800 · High risk
A lawful category that many acquirers decline as policy, requiring deliberate placement rather than a better rate pitch.
Subscription box businesses
$25–$95 recurring · Elevated risk
Recurring billing at scale, where involuntary churn and dispute descriptors decide the economics.
Travel agencies & tour operators
$900–$14,000 · High risk
The textbook future-delivery category — payment months before travel is precisely what reserves exist for.
Tell 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.