Find out what you're actually paying
Your statement shows you one number. We show you what's inside it - every fee, every markup, every place your processor is taking more than they should. And unlike most free audits, we're not also trying to sell you processing. We have no product to push. Just an honest look at what you're paying and what you could be paying. Most businesses find savings they didn't know were possible. It costs you nothing to find out.
The full picture. No guessing, no rounding, no hiding.
We don't glance at your statement and guess. We go line by line — checking your actual transaction data against what you should be paying, and flagging every place your processor is taking more than their fair share.
You get the same detailed report we use to save our clients thousands every year. Yours to keep — whether you work with us or not.
- ✓Line-by-line fee breakdown
- ✓What each card type is actually costing you
- ✓The fees you didn't know you were paying
- ✓How your rates compare to what others actually pay
- ✓What you could save annually, in real numbers
- ✓A clear path to lower costs
Three steps, 48 hours, zero cost
Send us your statement(s)
One recent statement is enough to get started. The more you share, the more accurate the picture — because the type of cards your customers use can vary month to month, and that affects what you're paying. Share what you're comfortable with. Everything is reviewed under a mutual NDA.
We analyze everything
Our team goes through every fee category, every transaction type, and every markup — and checks what you're paying against what you should be paying. We find every savings opportunity and put it in writing. More statements means a more accurate picture.
You get a clear report
You get a clear report: what you're currently paying, where the savings are, and exactly what to do about it. Then it's yours — no pressure, no follow-up calls, no obligation to take the next step with us.
The type of card your customer uses — debit, rewards, corporate — affects what you pay to process it, and that mix can shift month to month. One statement gives us a solid annual estimate. Three to six months gives us your real pattern and a significantly more accurate number. Everything is reviewed under a mutual NDA — you share what you're comfortable with, nothing more.
Every fee. Every rate. Every opportunity.
What You're Paying
- ✓What you're actually paying vs. what you should be
- ✓Hidden markups and fees buried in your statement
- ✓Whether your pricing model is working for or against you
- ✓How your rates compare to other processors in the market
What's Holding You Back
- ✓Contract terms, lock-in clauses, and early exit costs
- ✓Equipment you're leasing when you could own
- ✓Compliance fees you may be paying unnecessarily
- ✓Where automation could reduce your processing costs
Selling internationally or managing multiple entities? We also check cross-border surcharges, currency conversion markups, and whether you're being routed through the most cost-effective path for your transaction mix.
The flat-rate math they're hoping you don't do
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. That gap between what it costs them and what they charge you? That's their margin — and it comes straight out of yours.
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, fixed markup agreed upfront — typically a fraction of what the flat-rate spread costs you.
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 have eyes on your operation, we can look beyond payments — at the software costs you could cut, the manual work that could run automatically, and the systems that should be connected but aren't.
Cost consolidation
Overlapping tools, unused licenses, redundant subscriptions — we find what you can cut.
Wasted time and disconnected tools
Manual processes that could run automatically, and systems that don't talk to each other — but should.
Automation opportunities
Where AI and automation could give your team back hours every week — without adding headcount.
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 others processors and recommend based on your transaction profile, not our commission structure.
Independent
We're processor-agnostic, with access to the full range of major processors, acquirers, and gateways. 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.
Industry veterans
Our team built careers inside the payments industry. We know how pricing works from the inside — including exactly what makes payment statements hard to read.