Find out what you're actually paying
Most businesses have never seen their real processing costs. Your statement shows one number — we break it down to show you every fee, every markup, and every opportunity to save. No commitment, no obligation.
A complete picture of your processing costs
We don't just glance at your statement and guess. We analyze your transaction data, compare it against actual interchange rates, and show you exactly where money is being left on the table.
You'll receive a detailed report — the same kind we use to save our clients thousands per year.
- ✓Line-by-line fee breakdown
- ✓Interchange rate analysis by card type
- ✓Hidden fee identification
- ✓Comparison against industry benchmarks
- ✓Estimated annual savings calculation
- ✓Specific, actionable recommendations
Three steps, 48 hours, zero cost
Send us your statement(s)
One recent statement is enough for an annual estimate. But card mix varies month-to-month — more statements means a more accurate picture. It's up to you what you share; everything is reviewed under a mutual NDA.
We analyze everything
Our team breaks down every transaction type, every fee category, and every markup. We compare your rates against actual interchange and identify every savings opportunity. More data means tighter estimates.
You get a clear report
A detailed findings document with your current costs, potential savings, and specific recommendations. You decide what to do with it — no pressure, no follow-up calls.
Card pricing makes it impossible to predict card mix month-over-month. One statement gives us an annual estimate; three to six months of statements lets us model your actual card mix patterns and provide a significantly more accurate quote. Everything is reviewed under MNDA — you control what you share.
Every fee. Every rate. Every opportunity.
Cost Analysis
- ✓Transaction fees vs. actual interchange rates
- ✓Monthly and annual fee review
- ✓Card type breakdown (VINF, World Elite, corporate)
- ✓Hidden markups and padded rates
- ✓Comparison against 10+ acquirer rate sheets
Efficiency Analysis
- ✓Are you on the right pricing model? (flat-rate vs. interchange-plus)
- ✓Terminal and gateway efficiency
- ✓Batch timing and settlement optimization
- ✓Chargeback and refund patterns
- ✓Opportunities for automation and integration
Cross-Border Review
- ✓Cross-border surcharges on domestic-eligible cards
- ✓Currency conversion markup analysis
- ✓Dual-region routing opportunities
- ✓Multi-currency settlement options
- ✓FX timing optimization
Compliance Check
- ✓Are you being charged for compliance you don't need? (PCI fees)
- ✓Contract terms and early termination clauses
- ✓Equipment lease vs. purchase analysis
- ✓Processor lock-in assessment
- ✓Rate guarantee and escalation review
Why flat-rate providers make a fortune on your transactions
Providers like Stripe and Square charge a flat rate — typically 2.9% + 30¢ — on every transaction regardless of card type. It's simple, and that simplicity is exactly how they profit.
Here's what they don't show you: the actual cost of processing varies dramatically by card type. A standard Visa debit card costs roughly 0.80% at interchange. A Visa Infinite card costs about 1.42%. But you pay 2.9% on both. The spread between what it actually costs and what you're charged is where flat-rate providers make their money.
The flat-rate spread on a typical Canadian card mix
~68% of Canadian transactions are premium cards (Visa Infinite, World Elite)
Same rate on everything. Simple — and expensive.
You pay actual interchange + a transparent, small markup.
On a Visa Infinite transaction, the flat-rate provider pockets over 1% — that's pure margin on your highest-volume card type.
There's a critical mass — generally around $30K/month in processing — where the savings from interchange-plus pricing outweigh the fixed costs of a dedicated merchant account. Below that, flat-rate can actually be more cost-efficient. But this varies significantly by industry and card mix. That's exactly what our audit determines: whether switching saves you money for your specific situation, not in theory.
Want us to look at more than payments?
While we're reviewing your processing, we can also assess your broader technology stack. We'll identify cost consolidation opportunities, unrealized efficiencies, and automation potential across your entire operation.
Cost consolidation
Overlapping tools, unused licenses, redundant subscriptions — we find what you can cut.
Unrealized efficiencies
Manual processes that could be automated, disconnected systems that should talk to each other.
Automation opportunities
Where AI and workflow automation could save your team hours every week.
We don't sell payment processing
Most "free audits" are sales tools — the auditor is also the processor, so of course they find savings. We're different. We work with 10+ acquirers and recommend based on your transaction profile, not our commission structure.
Vendor-agnostic
We work with Elavon, Moneris, Global Payments, Bambora, TSYS, Worldpay, and more. We recommend what fits — not what pays us.
No term contracts
We believe in earning your business every month. No long-term commitments, no early termination fees, no surprises.
Ex-payments professionals
Our team comes from the payments industry. We know how pricing works from the inside — including what processors hide.
Ready to see what you're actually paying?
Send us a recent processing statement. Within 48 hours, you'll have a complete breakdown of your costs and a clear picture of what's possible. It's free, it's confidential, and there's zero obligation.
Most clients save 20-40% on processing fees