Most business owners at your volume have no idea. Their processor is counting on that.
At $100K to $500K per month in processing volume, a difference of just one percent in your effective rate is worth $1,000 to $5,000 every single month. We audit your statement for free, name every fee line by line, and show you exactly what a business your size should actually be paying.
We review a limited number of audits per month. Businesses doing $100K to $500K are prioritized. Every month you wait is money that does not come back.
We focus exclusively on merchants doing $100K to $500K per month. At that volume, the fees are significant enough to matter and the savings are real enough to change your bottom line.
High ticket transactions, consistent monthly volume, and owners too busy to read a statement closely.
Practices with billing departments that process serious volume every month and rarely question the fees.
Contractors, HVAC, plumbers, and roofers processing large tickets where every basis point adds up fast.
High transaction frequency means a small rate difference compounds into thousands every single month.
That is not an accident. The more complicated the statement, the less likely you are to question it. Here is what is actually hiding in there.
PCI non-compliance, regulatory fees, network access fees. Most are negotiable or completely invented.
Processors raise rates gradually in small increments, knowing most merchants never look closely enough to catch it.
Card types get miscategorized in ways that cost you more. It happens quietly and compounds over time.
No prep needed. No commitment required. No sales pressure until you are ready. We show you the facts and you decide.
Fill out the form below. Takes 2 minutes. We need your volume range and contact info to get started.
We pull your effective rate, name every fee, and compare what you pay now against what your volume qualifies for on our network.
If the savings make sense, we handle the entire switch. If they do not, we say so. You never get pressured either way.
How we find the savings other processors hide
Watch a real statement walkthrough. See the exact fees we flag, how we calculate your true effective rate, and what switching looks like in practice. No fluff. Just numbers.
The network we place merchants on processes over $1 trillion per year. You get the same infrastructure as Fortune 500 companies, which means the rates reflect actual scale, not a small business markup.
Our only job is finding the most competitive rate your business qualifies for. That is the entire relationship.
We have done it before and will do it again. If your current rate is already competitive, you will hear that straight from us.
Reviewed by our team only. Never shared, never sold, never used for anything beyond your audit.
Every review below is from a business doing between $100K and $500K per month.
I had been with the same processor for 6 years and figured my rate was fine. Rodney showed me in 20 minutes I was leaving $1,800 a month on the table. The switch took a week and I have not looked back once.
Our billing department paid whatever the statement said for years. The audit found $2,200 in monthly overcharges. Zero pressure and completely professional throughout the entire process.
He showed me the numbers and let me decide. No pressure at any point. That kind of straightforwardness is rare in this industry. Switched and saving over $900 every single month now.
My bookkeeper found Harris Merchant Advisory and I am glad she did. The savings covered her entire annual fee. Free audit, thorough breakdown, and no pressure to do anything at all.
We do $280K a month and I figured we were too big to be getting overcharged quietly. Rodney found $1,600 in fees we were absorbing every single month. Complete eye opener for our whole team.
These are real results from businesses in your volume range. The processor names are withheld. The numbers are not.
Owner had been with his processor for 6 years. Thought switching was complicated. Assumed his rate was competitive because nobody had told him otherwise. Audit revealed 4 separate junk fees totaling $620/month on top of the rate difference.
Billing manager had been auto-approving statements for 4 years. Practice had a PCI non-compliance fee listed every single month that they were actually compliant on. That alone was $480/month. The rate difference added another $1,700.
Owner assumed their volume was too large to be overcharged without someone catching it. Audit showed the processor had bumped their rate twice in 18 months in increments small enough not to trigger an alert. Neither increase was ever communicated.
Business was on a tiered pricing structure presented as standard industry practice. It was not. The flat rate they qualified for on our network was significantly better. Owner had been on tiered pricing since the business opened 3 years prior.
We work with a select group of merchants at a time so every audit gets the attention it deserves. Businesses doing $100K to $500K per month are moved to the front of the queue. Spots fill quickly. Every month you delay the audit is a month of overpayment you cannot get back.
Claim Your Audit SpotDrag the sliders to your volume and estimated current rate. See what the gap looks like before your free audit makes it official.
No cost, no contract, no commitment. Just your real numbers explained in plain language.
Reviewed by our team only. Never shared with anyone outside of your audit.
Straight answers. No runaround.
We take your most recent processing statement and break it down line by line. We calculate your effective rate (total fees divided by total volume), identify every fee by name, flag the ones that are unnecessary or inflated, and compare your current costs to what your volume qualifies for on our network. You get a clear picture of where your money is going and whether it needs to change.
For most businesses in your volume range, the switch takes 5 to 10 business days from the time you sign. We handle all the paperwork and the technical setup. You do not need to cancel anything yourself beforehand. Your terminals and systems get updated during the transition so there is no gap in your ability to take payments.
We still run the audit. Knowing your real number now puts you in a position to make a decision the moment your contract expires instead of starting from scratch. In some cases, depending on your processor and contract terms, the savings are significant enough to justify the early termination fee. We will show you that math as part of the audit so you can decide for yourself.
We tell you to stay where you are. That has happened before and we will say it straight. The goal of the audit is to give you accurate information, not to move every merchant we talk to. If your processor is genuinely giving you a good deal, you will leave the audit knowing that for certain. That is worth something on its own.
No. Fill out the form now and we will walk you through getting the statement when we connect. Most processors make it available through your online portal or they can email it on request. We will help you locate it if you are not sure where to look. Do not let that stop you from submitting today.
The audit is completely free. There is no obligation to switch, no contract to sign, and no pressure applied at any point. We show you the numbers and the decision is entirely yours. If you decide to move forward with a switch, we handle everything and the savings speak for themselves. If you decide to stay, you leave knowing your real rate and we part on good terms.
We place merchants on a global enterprise processing network that handles over $1 trillion in annual volume across 200 markets worldwide. It is the same infrastructure used by Fortune 500 companies, with 99.999% uptime, AI-powered fraud protection, and 720 payment methods supported. Your payments run on a network built for scale, which is exactly how we access the rates we do.
Most processors call you with a rate and ask you to trust them. We do not ask for trust. We show you your actual numbers first, compare them against what you qualify for, and let the math make the case. We also work with a select number of merchants at a time so the attention you get is real, not a sales call handed off to a junior rep. And we will tell you to stay with your current processor if the numbers say so. Try finding another ISO that will do that.
If the answer is never, or you are not sure, that is exactly what we are here for. Fill out the form and we take it from there. You do not need to prepare anything in advance.
The audit is a conversation. We earn your business by showing you real numbers, not by locking you in before you see them.
Your full audit is ready within 48 hours. No waiting weeks, no back and forth, no stalling.
We place merchants on the same global network used by Fortune 500 companies. The rates reflect that scale.
Two minutes to fill out. 48 hours to your results. Zero commitment required.
Your information is private and never sold. By submitting you agree to be contacted by Harris Merchant Advisory.
We will review your details and reach out within one business day.
In the meantime, locate your most recent merchant statement if you have it handy. That is all you will need.