Your credit card fees
are higher than
they need to be.
Most owners never see the extra charges buried in their processing statement. Send me last month's statement and I'll show you exactly what you're being charged — in plain English, and what each line costs you a year.
Illustrative example based on a typical statement. Your numbers will be different — that's the point of the analysis.
Metro Atlanta Firefighters Conference
Real Merchant Services handles payments for MAFFC. It's the same equipment, the same 24/7 support line, and the same person picking up the phone that you'd get on your own counter — there isn't a separate tier for small shops.
Local businesses — and the places that serve them
High card volume and thin margins is where processing fees do the most damage. These are the places I know best.
Tips, batches, and tickets
Tip adjustments and daily batching quietly multiply per-transaction fees. I'll show you what each batch is actually costing and whether your POS is set up to work against you.
Low tickets, high count
When your average sale is small, flat per-item fees eat the margin first. There's usually a better rate structure than whatever your last rep put you on.
Large tickets, real money
A single percentage point on a $3,400 repair order is $34 gone. On large-ticket work, small markup differences are the whole conversation.
Every fee is a dollar off the mission
Tithing, recurring giving, event registration, and giving kiosks all carry processing costs that quietly reduce what reaches the work. Congregations are also the most willing to cover the card fee themselves when you simply ask — which is exactly what cash discount does.
The version where your
fees go to zero.
You post two prices, the way a gas station does. Cash customers pay the lower one. The card price adds 4% to cover what accepting that card costs you — so your credit card fees stop coming out of your pocket.
- The card price is the cash price plus 4%. That 4% covers the cost of accepting the card, so it stops coming out of your margin. Your cash price stays exactly where your menu or shelf tag is today.
- Signage and receipts do the disclosing. Customers see both prices before they pay — that transparency is what keeps the program compliant.
- Most customers don't blink. Four percent on a $12 ticket is 48 cents, and the ones who care simply pay cash.
Straight talk: this isn't right for every business. If your customers are 95% card and your tickets are large, the price change is more visible and a lower rate may serve you better. I'll tell you which camp you're in before you commit to anything.
$12.00 cash, +4% = $12.48 on card. The 4% covers what the card costs you, so the sale nets the same either way.
Whatever you take payments on,
I can put it on your counter.
Rates matter, but so does the thing your staff touches two hundred times a day. Here's what I place, and how to think about which one you need.
Terminals and full POS
Countertop stations with printer, drawer, and a customer-facing screen — or a single wireless terminal for patios, food trucks, and service bays. Menus, modifiers, tabs, tips, inventory, and staff logins when you need the whole operation on one system.
Your phone is the terminal
Tap to pay straight on the handset, no reader to carry or charge. Built for mobile detailing, on-site repair, pop-ups, market booths, and collecting at the door.
Invoice it, get paid on it
Raise an invoice and send a payment request in the same motion, then watch it settle without chasing a check. Ties into the software you already use for jobs, tickets, and books.
Clover, Dejavoo, Paradise, Dealer Genie and others — the right box depends on how you actually run, not on which one I'd rather sell. If you already own equipment you like, we'll check whether it can come with you.
24/7 technical support,
answered in the US.
Your terminal doesn't care that it's 11pm on a Saturday. Neither does a room full of people waiting to pay. Call the support line any hour and a real person in the United States picks up — not a queue, not an overseas script, not a ticket you hear about on Monday.
Three Simple Steps to Lower Fees
A straightforward process — no pressure, no obligations, just clarity on what your business is really paying.
Send one statement
Upload last month's processing statement, or snap a photo of it. That's everything I need — no application, no credit pull, no commitment.
I break it down
You get a line-by-line read of what you're paying and why, including the fees your current processor doesn't explain. Written in plain English, not industry code.
You decide
If I can't beat what you have, I'll tell you that and you keep a free analysis. If I can, we go over the number together on a 30-minute call.
The questions I get every week
Find out what your fees actually are
It takes you two minutes to send and costs nothing. Worst case, you learn your current deal is already good.
Rather just talk? Call or text (770) 758-2269