Credit card processing rate shopping
Make processors compete for your business.
Tell us your volume and how you take payments. We bring vetted processors to the table, compare their offers apples to apples, and negotiate the markup using real benchmark data. You just pick the winner.
Why shopping beats a sales pitch
- Quotes are built to confuse. Different pricing models, teaser rates and bundled fees make offers hard to compare. We line them up on the same basis.
- Benchmarks are leverage. We negotiate with real data on what businesses like yours pay, not with guesswork.
- The contract matters as much as the rate. We check for early-termination fees, rate-increase clauses and equipment leases before you sign.
- You stay in control. We present the options and our recommendation. The decision is yours.
How it works
- 1
Check out
Pay the one-time $79 fee through our secure Square checkout.
- 2
Share your details
Right after checkout you land on a secure page to tell us your volume, average ticket and how you accept cards, and upload a recent statement if you have one.
- 3
Pick the winner
We gather competing offers, negotiate the markup, and hand you a side-by-side comparison to choose from.
What we compare
- Pricing model: interchange-plus, tiered or flat rate
- Markup over interchange, per-transaction fees and monthly fees
- Contract length, early-termination fees and rate-increase terms
- Equipment, gateway and POS costs, including any leases
- Your projected effective rate and annual cost at your real volume
Our savings guarantee
If Rate Shopping doesn't save you more than the $79 fee over a year, you pay nothing. That's how confident we are that the numbers are on your side.
Questions
How is the $79 guarantee applied?
If the best offer we bring you wouldn't save you more than $79 a year compared with what you pay now, you pay nothing.
Do I have to switch processors?
No. Sometimes the best result is using a competing offer to get a better deal from your current processor. You choose.
Which processors do you work with?
Vetted processors that fit your business type and volume. We'll tell you who each offer is from so you can check them out yourself.
Should I get a Rate Review first?
Not required. If you want to know exactly where you stand before shopping, the $59 Rate Review is a good first step.
More ways we can help
Not ready to buy? Check your effective rate free with our calculator.