Free Audit

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 because we work across 10+ processors, the audit answers to your numbers, not one provider's pitch.

  • ✓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
Send us a statement Talk to us first
  • 20–40% avg. fee reduction
  • 48-hour turnaround
  • Mutual NDA on request
  • The report is yours to keep
How it works

Three steps, 48 hours, zero cost

  1. 01

    Send us your statement(s)

    One recent statement is enough to start. More statements mean a more accurate picture, since your card mix shifts month to month. Everything is reviewed under a mutual NDA.

    Better data, better estimate. One statement gives us a solid annual estimate. Three to six months gives us your real pattern. You share what you're comfortable with, nothing more.

  2. 02

    We analyze everything

    We check every fee category, transaction type, and markup against what you should be paying, and put every savings opportunity in writing.

  3. 03

    You get a clear report

    What you're paying, where the savings are, and exactly what to do about it. Then it's yours. No pressure, no follow-up calls, no obligation.

What we analyze

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 math

On a flat rate? There's math your provider hopes you'll skip.

Flat-rate providers charge you 2.9% whether the card actually costs 0.80% or 1.70% to process. The gap is their margin, and on a typical Canadian card mix it adds up fast.

We broke down the full comparison, including when switching makes sense and when staying on flat rate is genuinely the right call.

See flat rate vs. interchange-plus, side by side

While we're in there, we can also look at software costs you could cut, manual work that could run automatically, and systems that should be connected but aren't. Ask when you send the statement.

Why us

No single processor to push

Most "free audits" come from a processor selling you their own rails — of course they find savings. We set up whichever of our 10+ processors actually fits your transaction profile, so the recommendation follows your numbers, not a quota.

Independent

We're processor-agnostic, with access to the full range of major payment processors and gateways. We recommend what fits, not what pays us.

Month-to-month terms

We earn your business every month. Transparent pricing, month-to-month terms. You stay because the service delivers.

Industry veterans

Our team built careers inside the payments industry. We know how pricing works from the inside, including exactly what makes statements hard to read.

Before you send it

The questions we hear first

Is it really free?

Yes. The audit and the report are free, and the report is yours to keep whatever you decide. Paid work only starts after you've seen clear pricing and agreed to it.

What do you need from me?

One recent processing statement is enough to start. Three to six months gives us your real card mix. Anything you share can be covered by a mutual NDA.

What if we're locked into a contract?

Tell us. Contract terms, lock-in clauses, and exit costs are part of what we review, and sometimes the right move is to prepare now and switch at renewal. Knowing your numbers costs nothing either way.

Is this a sales call?

No. If the honest answer is "you're fine where you are," that's what the report will say. We earn business month to month, not by pressuring people into it.

Ready to see what you're actually paying?

  • 20–40% avg. fee reduction
  • 48 hr turnaround
  • 0 obligation
Send us a statement Talk to us first