Frequently Asked Questions
Who do you work with?
We specialize in midsize and enterprise companies — typically businesses processing $1M+ annually who want a consultative approach to payments. We work across industries including e-commerce, hospitality, healthcare, recurring billing, direct sales, and multi-location retail. If you’re a smaller business or just getting started, we may not be the right fit — but we’re happy to point you in the right direction.
Are there any hidden fees?
No — and this is a big part of why companies work with us. The payments industry is notorious for hidden fees and confusing statements. We’re the opposite: we show you exactly what you’re paying, explain every line item, and never surprise you with charges you didn’t expect. Our audit is completely free. If you decide to work with us, we’ll walk through every cost before you commit.
What makes you different from other processors?
Most processors are transaction companies — they move money and send you a confusing statement. We’re a consulting company that happens to process payments.
Think of us like a CPA firm for payments. We audit what you’re paying, identify where you’re overpaying, fix the root causes, and monitor your account to make sure it stays optimized. We only make money when you save money — so our incentives are actually aligned with yours.
We also have proprietary technology (Eight Tech) that does things other processors can’t — like automated decline recovery and chargeback prevention.
Will switching disrupt my operations?
No — this is something we take very seriously. Our implementation team handles the migration end-to-end: integrations, testing, and go-live. Most clients experience zero downtime.
We also work with virtually all major gateways, POS systems, and e-commerce platforms. If you have a complex setup, we’ve probably seen something similar before.
What’s the commitment?
We offer flexible terms — no long-term lock-ins required. We’d rather earn your business every month than trap you in a contract. That said, most clients stick with us for years because we actually deliver value. When you’re saving money and getting real support, there’s no reason to leave.
How do I get started?
Start with a free audit. Send us your processing statements and we’ll show you exactly what you’re paying, where you’re overpaying, and what we can do about it.
No commitment, no pressure — just a clear picture of where you stand.
Do I have to switch processors to work with you?
Not necessarily. Many of our clients start with a free audit and use the insights to negotiate better terms with their current processor — or to fix issues themselves.
That said, most clients eventually switch to our processing because (a) we deliver better rates, (b) our technology does things their current processor can’t, and (c) we actually monitor and optimize the account over time instead of just setting it and forgetting it.
We’ll be honest with you about whether switching makes sense for your situation.
How much can I actually save?
Most companies we work with are overpaying by 20-40%. For a business processing $2M annually, that’s $40K-$80K per year in savings.
But it depends on your current setup. Some companies are already well-optimized; others are hemorrhaging money without knowing it. That’s why we start with a free audit — so you can see the actual numbers for your business.
What is dual pricing?
Dual pricing means displaying two prices for every item: a lower cash price and a slightly higher card price. Customers who pay with card cover the processing cost; customers who pay with cash get the lower price.
It’s completely legal, fully compliant with card network rules, and has been used by gas stations for decades. We’ve helped thousands of businesses implement it across retail, restaurants, and service industries.
What’s the benefit of dual pricing?
You can offset 100% of your processing fees without raising your base prices. A business processing $100K/month in card transactions can save up to $40K/year.
It’s also transparent — customers see both prices upfront and choose how they want to pay. Most customers are fine with it, especially when they understand they have a choice.
How do I implement dual pricing in my business?
Implementing dual pricing involves adjusting your pricing structure to reflect both cash and card prices. This typically requires updating your point-of-sale system and training your staff to explain the pricing model to customers. We can assist with the setup and integration process to ensure a smooth transition.
Can I use dual pricing with online sales?
Yes, dual pricing can be applied to online sales as well. This requires configuring your e-commerce platform to handle different pricing for different payment methods. We can help you set up dual pricing for both in-store and online transactions.
Will dual pricing affect my ability to offer discounts or promotions?
Dual pricing can still be compatible with discounts and promotions. You can structure your promotions to apply to both cash and card payments or tailor them to specific payment methods. It’s important to communicate how discounts interact with the dual pricing model to avoid confusion.
Can I switch back from dual pricing if it doesn’t work for my business?
Yes, you can switch back from dual pricing if it doesn’t suit your business needs. We can help you transition back to a single pricing model and ensure that any necessary changes are made to your point-of-sale system and marketing materials.