Home
Core Services
Credit Card Processing Credit Card Splits AI Automation Pricing
Tools & Resources
Rate Calculator Our Process FAQ Contact
Partnership
ISO Relationships Get a Rate →
The process

From first email to first transaction.

No forty-page applications. No sales rep who ghosts you after signing. No surprise fees in month three. Here's exactly what happens from the moment you reach out — step by step, day by day, with nothing hidden.

01
Days 1 – 2

Discovery

You send statements. We audit. Free.

02
Day 3

Proposal

One page. Real numbers. No pressure.

03
Days 4 – 6

Onboard

We handle the switch. You keep working.

04
Ongoing

Optimize

AI monitoring. Monthly reports. A real human.

01
Days 1 – 2 · 48 hours
Step 01

We look at your numbers.

Everything starts with your last three processing statements. That's it. No application form, no credit pull, no commitment. We audit the statements line by line and tell you exactly where you're overpaying — even if you decide not to move forward.

What you send
  • 3 recent statementsLast three months of processing statements. PDF is fine.
  • Basic business infoIndustry, average ticket, monthly volume. Takes 2 minutes.
  • That's allNo SSN, no credit pull, no contract.
What we do
  • Line-by-line auditWe decode every fee, surcharge, and markup on your statement.
  • Hidden cost scanReserves, credit card splits, non-compliance fees, cross-border charges.
  • BenchmarkWhat merchants like you should actually be paying.
Deliverable — Audit report
Current effective rate2.87%
Industry benchmark1.65%
Overpayment identified$14,320 / yr
Reserve accounts found2
Junk fees flagged6 line items
02
Day 3 · 24 hours
Step 02

You get a real number.

One page. Your new rate, your new monthly cost, and a side-by-side against what you pay now. Everything spelled out in plain English. If you want to move forward, there's a DocuSign link at the bottom. If you don't, you keep the audit and walk.

What's on the page
  • Your new rateInterchange-plus pricing, broken down by card type.
  • Monthly savingsA specific dollar amount, not a range.
  • All-in cost comparisonCurrent processor vs. us, every line item.
  • Hardware & setupExactly what we're shipping, exactly what it costs.
What's not on it
  • No asterisksNo "as low as," no "starting at," no fine print tricks.
  • No long contractMonth-to-month. Leave anytime, no early termination fee.
  • No pressureTake 24 hours or 24 days. Rate holds for 30 days either way.
  • No trick feesWhat you see is what you pay. Forever.
Sample — Proposal summary
Processing rate1.65%
Monthly junk fees$0
Hardware (one-time)$299
Est. monthly savings$1,193
Annual savings$14,316
Contract lengthMonth-to-month
03
Days 4 – 6 · 24–72 hours
Step 03

We handle the switch.

Most merchants are approved in 24 hours. We ship hardware the same day. We configure your gateway, update your POS, and walk your team through the new setup over a 30-minute call. You keep taking payments the entire time — zero downtime.

We handle
  • UnderwritingSubmitted, reviewed, and approved — usually same day.
  • Hardware shippingOvernight delivery on qualifying orders. Pre-configured.
  • Gateway integrationWorks with most major POS systems and e-commerce platforms.
  • Transition planWritten checklist for your staff, zero-downtime cutover.
What changes for you
  • Almost nothingSame customers, same checkout flow, same everything.
  • New hardware (if any)Plugs in, connects, runs. Most setups take 10 minutes.
  • New dashboard loginAccess to your transaction feed, reports, and AI layer.
  • Your bank accountStays exactly the same. Deposits continue uninterrupted.
Typical onboarding timeline
Agreement signedT+0
Application submittedT+2 hrs
ApprovalT+24 hrs
Hardware shippedT+24 hrs
Hardware deliveredT+48 hrs
First transaction processedT+72 hrs
04
Ongoing · Forever
Step 04

The lane stays open.

The switch isn't the finish line — it's the start. Our AI monitors every transaction, flags anything unusual, and tunes your setup as your business grows. You get a monthly report showing what we saved, what we flagged, and what to watch. And when you need a human, you get one — not a ticket queue.

Ongoing automation
  • 24/7 fraud scoringEvery transaction scored in real time. Blocked, passed, or flagged.
  • Chargeback alertsPredictive flags 24+ hours before a dispute hits.
  • Rate optimizationWe re-analyze your mix quarterly and lower the rate when we can.
  • Monthly intelligenceA one-page report, not a 40-tab dashboard.
Ongoing humans
  • Named account managerSame person every time. Answers in under 4 hours.
  • Quarterly review30-minute check-in. Optional but recommended.
  • Statement auditsFree. Every 6 months. Even after you're a customer.
  • Off-ramp protectionWant to leave? We help you migrate out. No penalty.
Monthly report — Sample
Total processed$52,840
Effective rate (this month)1.62%
Transactions scored by AI784
Fraud blocked2 · $4,012 saved
Chargebacks flagged early1
vs. old processor cost−$1,287
Ready when you are

Day one is just an email.

Send us your most recent processing statement. We'll reply within one business day with a read on what you're overpaying and whether we can do better. No pitch, no pressure, no obligation.