Lower Your Effective Rate. Boost Your Margins.
Modern payment processing for high‑risk, hospitality, retail, services, golf & country clubs, and more. Interchange optimization, L2/L3 data, dual pricing, and transparent analytics.
✅ PCI & EMV compliant ✅ Next‑day funding
✅ Clear month‑end reports
Trusted by business across the world
Purpose‑Built
Interchange Optimization
Automatic L2/L3 data enrichment to qualify for the lowest eligible interchange, reducing your effective rate.
Transparent Pricing
No hidden junk fees. Real-time dashboards show fees, volume, and savings down to the penny.
High‑Risk Friendly
CBD, Vape, Kratom, supplements, and other challenging MCCs—configured for compliance and uptime.
Omni‑Channel
In‑person, eCommerce, mail/phone order, and recurring ACH—managed in a single portal.
POS & Gateway Options
Clover, Ingenico, virtual terminals, and APIs. Keep your hardware or we’ll recommend the best fit.
Fast Funding & Support
Next‑day funding and responsive, US‑based support when you need it most.
How It Works
Step 1: Submit your statement
Upload a recent merchant statement—we analyze card mix, downgrade patterns, and junk fees.
Step 2: Get a savings blueprint
We model L2/L3, surcharge/dual pricing, and gateway/POS options with transparent projections.
Step 3: Go live & get funded
Fast underwriting, simple install, and next‑day funding—plus ongoing optimization.
Free Statement Audit
Attach your latest merchant statement for a no‑pressure analysis. We’ll return a line‑item breakdown of your current effective rate and an optimization plan.
- Interchange vs. processor fee breakdown
- L2/L3 and qualification opportunities
- Dual pricing & surcharging options
- Hardware & gateway recommendations
“We cut fees by 37% while improving reporting—night and day.”
— COO, 9‑location hospitality group
“High‑risk friendly and actually responsive. Savings are real.”
— Owner, CBD + Vape chain
“Dental plans and recurring billing just work. Next‑day funding too.”
— Practice Manager, multi‑office dental
FAQ
What’s an effective rate?
Your total processing fees divided by total processed volume. It combines interchange, assessments, and processor markup.
Do you support dual pricing or surcharging?
Yes—configured to your state rules and card‑brand requirements. We’ll advise on signage and customer experience.
Can I keep my hardware?
Often, yes. We support major terminals and can integrate gateways or recommend a better‑fit POS.
How fast is funding?
Most merchants receive funds the next business day depending on bank cut‑offs.
Ready to lower your fees?
Upload a recent statement and get a zero‑fluff savings plan.