Reduce interchange, assessment, & processor markup, by up to 66% without changing banks or processors.

Reduce interchange, assessment, & processor markup, by up to 66% without changing banks or processors.

96% of all merchants are unknowingly being overcharged on the fees they pay when accepting a credit card payment.

96% of all merchants are unknowingly being overcharged on the fees they pay when accepting a credit card payment.

Our team has saved thousands of merchants millions of dollars since 2001.

Our team has saved thousands of merchants millions of dollars since 2001.

The best way to cut costs on credit and debit card payment processing fees - assessment, interchange & processor markup.

The best way to cut costs on credit and debit card payment processing fees - assessment, interchange & processor markup.

Do you remember the days when you opened your cell phone bill and there were pages and pages of fees and charges you didn't understand?  Then you called your carrier only to be placed on eternal hold or get connected to someone who couldn't explain their own statement to you.

Granted life has changed, but most banks and processors still follow the same model when it comes to merchant processing fees.  Let me explain.

Before you can cut your costs to processes credit and debit cards, it's crucial to understand what you are up against.  Let's start with the 3 basic payment processing fees all merchants pay every time they accept a credit card payment.  

  • Visa & Mastercard Assessment fees go to the credit card companies.  When Visa and Mastercard went from non-profit to for-profit, they became responsible to their shareholders and motivated by the same philosophy that drives Wall Street. . . fees.  
  • Interchange fees go to the card issuing bank.  Here's the thing.  When credit cards first came into existence there were just 3 interchange categories: card present, mail order, and telephone.  Today, there is just 1 other way to accept credit cards, and that is over the internet.  Unfortunately, merchants must tangle with over 700 interchange categories and a much greater chance of transactions falling into a more expensive bucket.  Hmm! 
  • Processor markup goes to the company doing the processing.  It's interesting that there are no industry standards here.  Ever get on a plane or check into a hotel and wonder if your neighbor paid more or less than you paid for the exact same service?  Truth be told, a processor is just a computer network that parses out all the fees that you end up paying.  You might have been pitched by your rep on interchange plus, cost plus, or some other latest and greatest fee structure, and you might get a free lunch from time to time, but is it really free?  In short, processing is a commodity item driven by fees, not by reducing fees.

In addition, there can be layers of charges buried within each of the categories mentioned above, creating the ultimate shell-game.  Level 2, level 3, EIRF, FANF, USCOMML2, COMM CNP P, COM L3 P, assessments, NAMBU fees, international cross border fees, Visa large ticket interchange, integrity fees, IAF fees, zero dollar and misuse authorizations fees, ISA service fees, data usage and transmissions fees, associations fees, etc., etc., etc. 

It doesn't end there, as certain banking entities own the processors and/or are in joint ventures with them.  Starting to get the picture?

Here's the reality:  a merchant's processing environment is like a fingerprint.  It has its own unique DNA, and it's not easy to sort out.  So, whether you process a couple of million dollars or a couple of billion dollars in credit card transactions, you are faced with the same challenges.  

  • First, how do you keep up with the changing rules and regulations of the credit card industry so you don't unknowingly overpay? and,
  • How do you get to the lowest total cost on all your fees and re-direct the savings to more important company objectives?
  • We have the solution that works!

Do you remember the days when you opened your cell phone bill and there were pages and pages of fees and charges you didn't understand?  Then you called your carrier only to be placed on eternal hold or get connected to someone who couldn't explain their own statement to you.

Granted life has changed, but most banks and processors still follow the same model when it comes to merchant processing fees.  Let me explain.

Before you can cut your costs to processes credit and debit cards, it's crucial to understand what you are up against.  Let's start with the 3 basic payment processing fees all merchants pay every time they accept a credit card payment.  

  • Visa & Mastercard Assessment fees go to the credit card companies.  When Visa and Mastercard went from non-profit to for-profit, they became responsible to their shareholders and motivated by the same philosophy that drives Wall Street. . . fees.  
  • Interchange fees go to the card issuing bank.  Here's the thing.  When credit cards first came into existence there were just 3 interchange categories: card present, mail order, and telephone.  Today, there is just 1 other way to accept credit cards, and that is over the internet.  Unfortunately, merchants must tangle with over 700 interchange categories and a much greater chance of transactions falling into a more expensive bucket.  Hmm! 
  • Processor markup goes to the company doing the processing.  It's interesting that there are no industry standards here.  Ever get on a plane or check into a hotel and wonder if your neighbor paid more or less than you paid for the exact same service?  Truth be told, a processor is just a computer network that parses out all the fees that you end up paying.  You might have been pitched by your rep on interchange plus, cost plus, or some other latest and greatest fee structure, and you might get a free lunch from time to time, but is it really free?  In short, processing is a commodity item driven by fees, not by reducing fees.

In addition, there can be layers of charges buried within each of the categories mentioned above, creating the ultimate shell-game.  Level 2, level 3, EIRF, FANF, USCOMML2, COMM CNP P, COM L3 P, assessments, NAMBU fees, international cross border fees, Visa large ticket interchange, integrity fees, IAF fees, zero dollar and misuse authorizations fees, ISA service fees, data usage and transmissions fees, associations fees, etc., etc., etc. 

It doesn't end there, as certain banking entities own the processors and/or are in joint ventures with them.  Starting to get the picture?

Here's the reality:  a merchant's processing environment is like a fingerprint.  It has its own unique DNA, and it's not easy to sort out.  So, whether you process a couple of million dollars or a couple of billion dollars in credit card transactions, you are faced with the same challenges.  

  • First, how do you keep up with the changing rules and regulations of the credit card industry so you don't unknowingly overpay? and,
  • How do you get to the lowest total cost on all your fees and re-direct the savings to more important company objectives?
  • We have the solution that works!

How to keep from being overcharged on your merchant processing fees - downgrades, Level 2 and Level 3 qualification demystified.

How to keep from being overcharged on your merchant processing fees - downgrades, Level 2 and Level 3 qualification demystified.

Independence

Independence

We only work for you.  We receive zero compensation from any interested or related 3rd parties. We are not a processor, ISO, or broker.

We only work for you.  We receive zero compensation from any interested or related 3rd parties. We are not a processor, ISO, or broker.

Industry Knowledge

Industry Knowledge

Our clients benefit from our years of building industry relationships and compiling critical benchmarking data that is not published anywhere.

Our clients benefit from our years of building industry relationships and compiling critical benchmarking data that is not published anywhere.

Superior ROI

Superior ROI

There is no cost to our clients for our unbiased analysis.  The money we save our clients goes right to their bottom line where it belongs.   

There is no cost to our clients for our unbiased analysis.  The money we save our clients goes right to their bottom line where it belongs.   

66% Cost Reduction

66% Cost Reduction

We have saved our clients up to 66% on their processing costs. They get these dollars every month, year in and year out.

We have saved our clients up to 66% on their processing costs. They get these dollars every month, year in and year out.

Keep your Processor

Keep your Processor

No need to change processors with our service, as you might be entitled to a refund. If you need to do an RFP, we can take the guesswork out.

No need to change processors with our service, as you might be entitled to a refund. If you need to do an RFP, we can take the guesswork out.

You're in Total Control

You're in Total Control

You can have us implement all, some, or none of our fixes. Plus, you get to audit our calculations every step of the way.

You can have us implement all, some, or none of our fixes. Plus, you get to audit our calculations every step of the way.

If you don't make money with our service, we don't get paid. 

If you don't make money with our service, we don't get paid. 

WHY CHOOSE US?  Processors value our partnership because their clients have no reason to change processors when they use our service. 

WHY CHOOSE US?  Processors value our partnership because their clients have no reason to change processors when they use our service. 

Benchmarking data

Benchmarking data

Without these metrics you are at the mercy of the card companies, the issuing banks, and the processor.

Without these metrics you are at the mercy of the card companies, the issuing banks, and the processor.

We do the work

We do the work

We don't create another project.  All work is done behind the scenes at our offices.

We don't create another project.  All work is done behind the scenes at our offices.

We save you time

We save you time

Our cost recovery blueprint saves you time and money for as long as you accept credit cards. 

Our cost recovery blueprint saves you time and money for as long as you accept credit cards. 

We make you look good

We make you look good

We share our industry knowledge with you and under your direction, we help your department shine.

We share our industry knowledge with you and under your direction, we help your department shine.

REQUEST A NO-OBLIGATION PHONE CONSULTATION OR MORE INFORMATION.

REQUEST A NO-OBLIGATION PHONE CONSULTATION OR MORE INFORMATION.

All Right Reserved © Payment Card Advisory Group

All Right Reserved © Payment Card Advisory Group

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