Processing instability kills revenue. We prevent it.

Merchant Processing Rate Audits and Renegotiation for Established Businesses

For Traditional Businesses

Merchant Processing Rate Audits and Renegotiation for Established Businesses

For traditional businesses, the issue is straightforward — you're overpaying. Rates get set at onboarding and never revisited. Nobody calls you to tell you that you qualify for better rates when revenue increases. We do a processor audit of what you're actually paying, and renegotiate it. Most clients don't know what they should be paying until we show them.

For High-Risk and Regulated Businesses

Merchant Processing Compliance and Risk Reduction for High-Risk Industries

For high-risk and regulated businesses, the problem is more serious.

Your processor can shut you down without warning. Your volume triggered an underwriting re-review. Regulations changed at the FDA or state level and your category got flagged. Your chargeback rate crossed a threshold. The processor onboarded you under the wrong merchant category code; either to get you approved or because they didn't understand how to underwrite for your business and now that mismatch is a liability. This can cause being match listed and now you're in a even tougher spot.

When a high-risk processor shuts down your account, your revenue stops. And finding a replacement while you're already down is expensive, rushed, and rarely goes smoothly.

What We Do

Merchant Services Audit, Compliance Review, and Processing Structure Optimization

For traditional businesses, we get your rates where they should be. For high-risk operators, we audit your processing structure, identify compliance exposure, review how you were categorized at onboarding, and make sure your setup can hold up under scrutiny and pair you with a processor that can handle your industry before it becomes a crisis.

Frequently Asked Questions

General & Diagnostics

What is a merchant services audit?

A merchant services audit is a comprehensive review of your processing statements. We analyze every fee, surcharge, and rate to identify exactly what you're paying and whether it's competitive. Most clients don't know what they should be paying until we show them.

Why do I need a revenue infrastructure diagnostic?

The diagnostic identifies exactly where your business is leaking money, what's broken structurally, and whether we're the right fit to help you fix it. It's a no-obligation review before any work begins.

How do I know if I'm overpaying for merchant services?

Most business owners don't know. That's the problem. We compare your effective rate to industry benchmarks for your business type and volume. If you're above average, you're overpaying.

How long does a processing audit take?

Once you send your statements, we typically deliver the diagnostic report within 2-3 business days.

What information do you need for the audit?

Your last 3-6 months of processing statements. That's usually enough to see the full picture of fees, rates, and hidden charges.

For Traditional Businesses

Why do rates increase over time?

Rates are often set at onboarding and never revisited. Processors rarely proactively lower your rates when your volume grows. We monitor and renegotiate quarterly so you don't have to think about it.

How often should I have my processing structure reviewed?

At least annually — or whenever your volume increases significantly. We monitor quarterly so you don't have to think about it.

What's included in a traditional business review?

We audit your current rates, fees, and contract terms. We identify any padded fees, junk charges, or locked-in contract terms that may be impacting your business. We then renegotiate your terms or help you transition to a more transparent processing partner.

For High-Risk & Regulated Businesses

Why do high-risk processors shut down accounts without warning?

Regulations change. Chargeback ratios fluctuate. Or you were onboarded under the wrong merchant category code (MCC) — either to get you approved or because the processor didn't understand your industry. When that mismatch becomes a liability, they shut you down.

What is a merchant category code (MCC) and why does it matter?

The MCC tells banks what industry you're in. If yours is wrong — even by accident — you're at risk. We review and fix incorrect MCCs as part of our compliance audit.

What does being "match listed" mean?

When a processor terminates your account for cause (like compliance issues or excessive chargebacks), you can be added to the MATCH list (formerly TMF). Once you're on it, finding a new processor becomes extremely difficult. We help you avoid this.

Can you help if I've already been shut down?

Yes — but it's harder and more expensive than preventing it. The best time to fix your processing structure is before a crisis. We'll tell you honestly if it's fixable — and if so, how.

What's included in a high-risk compliance review?

We check your MCC, underwriting documents, chargeback ratio, reserve requirements, and regulatory exposure for your specific industry (FDA, state laws, etc.).

How do you help prevent shutdowns?

We audit your processing structure, identify compliance exposure, review how you were categorized at onboarding, and make sure your setup can hold up under scrutiny. We then pair you with a processor that can handle your industry — before it becomes a crisis.

Process & Commitment

Is there a cost for the diagnostic or audit?

No. The Revenue Infrastructure Diagnostic is always free. We only charge if you decide to move forward with renegotiation or processor placement.

What if you can't help me?

We'll tell you honestly. Not every business is a fit. But we'll point you in the right direction anyway. No pressure. No obligation.

Do you work with both traditional and high-risk businesses?

Yes. We solve different problems for each. Traditional businesses need visibility and structure. High-risk businesses face shutdown risk. We solve both — but the solution looks different for each.

You build revenue. Now let's optimize it.

Before we work together, we diagnose.

The Revenue Infrastructure Diagnostic determines exactly where your business is leaking, what's broken structurally, and whether we're the right fit to help you fix it.