Most businesses pay up to 30% more than they should for merchant processing — often thousands of dollars every year. We audit, negotiate, and recover those costs. If we don't save you money, you pay nothing.
From your first statement to verified savings — our process is built around you.
Share a recent past 3 month processing statement for free audit analysis to evaluate how much your business could save — no obligation or commitment to get started.
We review every fee, rate, and charge line by line — identifying every dollar that exceeds fair market value.
As your authorized advisor, we negotiate directly with your processor — no switching, no new contracts, no disruption.
Savings are verified against your real statements. We only earn our fee when measurable savings appear on your account.
We only succeed when you do. That's not a slogan — it's how we're compensated.
There is no upfront cost, no retainer, no obligation, and no contract lock-in. If our audit and negotiation process does not result in measurable savings on your merchant processing fees, you pay absolutely nothing. We earn our fee only when you realize real, verified savings on your monthly statements. Our interests are perfectly aligned with yours.
Processing statements are designed to be confusing. We know exactly where processors hide excess charges.
A comprehensive, line-by-line review of every charge, fee tier, and surcharge to expose what you're actually paying — and why.
Armed with industry benchmarks and insider knowledge, we negotiate directly with your processor to lower your effective rate.
Processors quietly raise rates over time. We monitor your statements month-to-month to catch and challenge any creeping increases.
We decode the jargon — interchange, qualified rates, PCI fees — and explain in plain language what you're actually being charged.
We benchmark your processor against the full market and provide an honest, unbiased assessment of your options.
Processing contracts are full of hidden traps. We flag every clause that could cost you before you sign anything.
Send us one statement. No cost, no obligation, no contract. Just a clear, honest assessment of your processing fees.
Most businesses end up paying about 30% more than they should for credit card processing — which can add up to thousands of dollars every year. Our job is to find it, prove it, and recover it for you.
Credit card processing pricing is deliberately complex. Processors count on the fact that most business owners don't have the knowledge and/or time to decode their own statements. We do — and we use that knowledge entirely in your favor.
No switching processors. No new contracts. No disruption. Just savings — verified on your monthly statement.
We begin with a thorough, line-by-line review of your current processing statement. We examine every fee category — interchange costs, processor markups, monthly fees, PCI compliance fees, batch fees, chargeback fees, and more. Most businesses are surprised by what we find: fees they've never questioned, charges that have quietly increased, and markups that far exceed industry norms.
No upfront cost · No commitment requiredWe benchmark your current fees against what businesses with a similar processing volume and transaction profile should reasonably be paying. This gives us a clear, defensible picture of exactly where your processor is overcharging you — and by how much. This isn't a projection. It's a documented gap between what you pay and what the market supports.
Data-driven · Processor-agnosticAs your authorized representative, we negotiate directly with your existing processor. We know the levers they can pull, the concessions they can make, and the language that gets results. In most cases, we achieve meaningful rate reductions without requiring you to switch processors, change equipment, or disrupt your workflow in any way.
No disruption to operations · We do the workOnce negotiations are complete, we verify your savings against your next monthly statements. We then continue to monitor your account over time, because processors have a well-documented habit of quietly re-introducing fees or raising rates in small increments. We catch and challenge every unauthorized change on your behalf.
Verified results only · Continuous protectionIf you accept credit cards, we can almost certainly find savings. Our clients span retail, hospitality, healthcare, professional services, and more.
We structured our business this way intentionally — because advisors should only be paid when they deliver verifiable results.
There is never any charge to begin our audit process. We review your statement, identify savings, and negotiate — all before we earn a single dollar.
We don't project or estimate — we verify savings against your actual monthly statements before our fee is ever calculated or due.
Because we only earn when you save, our incentive is always to maximize your recovery — not to close a deal or sell a product.
One statement. No cost. No obligation. Let us show you exactly what you're paying — and what you shouldn't be.
Request a Free Audit →FeeFinder was founded by payment industry veterans who spent years working inside the processing companies. We saw firsthand how the system works — and too often, it works against the merchant.
FeeFinder was founded by a team of payment industry veterans who spent years working inside the processing companies. We saw firsthand how the system works — and too often, it works against the merchant.
Complex pricing structures, opaque fee schedules, and automatic rate increases are standard practices in the industry. For most business owners, the processing statement might as well be written in a foreign language. And that ambiguity isn't accidental — it's engineered to protect processor margins at the expense of businesses like yours.
We started FeeFinder because we believed there had to be a better way. We knew that with the right expertise, businesses could save thousands — sometimes tens of thousands — of dollars per year without switching processors, without changing equipment, and without any disruption to their operations.
Our approach is simple: we perform a comprehensive, line-by-line audit of your processing statements. We identify every hidden fee, every unnecessary charge, and every rate that exceeds what you should reasonably be paying. Then, as your authorized advisor, we negotiate directly with your processor.
What makes us different is our compensation model. We only get paid when you save money. If our audit doesn't find savings, you pay nothing. Our interests are perfectly aligned with yours — and that's exactly how we think it should be.
Our founders spent years inside major payment processors, giving us unmatched knowledge of where fees are hidden and how pricing decisions are actually made.
We are not affiliated with, paid by, or incentivized by any payment processor or merchant services company. Our only client is you — the business owner paying the fees.
Our clients have recovered significant savings that go directly back to their bottom line — without switching processors or changing a single thing about how they accept payments.
Since day one: if you don't save, we don't earn. No retainers, no upfront fees, no contracts, no projections — only results.
Every decision we make is filtered through a simple question: is this genuinely in the best interest of our client?
We show you everything we find, explain exactly what it means, and never obscure findings in ways that serve our interests over yours. You see the full picture — always.
We have no financial relationships with any payment processor or merchant services vendor. Our recommendations are completely free from conflicts of interest.
Our performance-only model isn't marketing — it's the structural foundation of how we operate. We can only succeed by delivering real, verifiable value to you.
We don't disappear after the first negotiation. We monitor your statements, watch for rate creep, and continue advocating long after your initial audit is complete.
We're not consultants who hand you a report. We are active advocates who negotiate on your behalf and stay engaged.
Every negotiation is backed by documented benchmarks and a clear record of overcharges. We present facts that processors cannot credibly refute.
In virtually all cases, we achieve savings without requiring you to switch processors, change payment terminals, or modify how you accept payments in any way.
Our work is only complete when we can point to actual reduced charges on your real monthly statement. We don't present projections and call it done.
Processors routinely re-introduce fees months after negotiations. We monitor your account continuously and challenge any unauthorized changes.
We built FeeFinder on a simple belief: a business advisor should only earn a fee when they deliver results the client can see on their own statement. Everything else is just talk.
One statement. No cost. No obligation. Let us show you exactly what you're paying — and what you shouldn't be.
We believe transparency extends to every question you have about how we work, how we're paid, and what you can realistically expect. Nothing is off the table.
Browse by category or read through all of them — we've answered every question we consistently hear from business owners.
We are compensated on a performance-only basis. Our fee is a percentage of the savings we recover for you, paid out of those savings over time. If we don't find or produce real, verified savings on your processing statements, you pay us nothing. There is no upfront fee, no retainer, and no contract commitment required to get started.
No — and this is fundamental to what we do. We have no financial relationships, referral agreements, or ownership stakes in any payment processor, ISO, or merchant services provider. Our analysis and recommendations are completely free of conflicts of interest. We work exclusively for you, the merchant.
Our fee is a share of the savings we generate — typically a percentage of the verified monthly savings over a defined period. This means your net benefit is always positive: you keep the majority of what we recover, and we earn only from the portion that wouldn't have existed without our work. We walk through the exact structure during your initial consultation before you commit to anything.
If our audit of your processing statements does not identify verifiable savings, you pay nothing. This outcome is the basis of our zero-risk guarantee. It also means we only take on engagements where we're genuinely confident we can add value — we're not in the business of performing audits that go nowhere.
We typically start with two to three months of recent processing statements — the detailed ones your processor sends monthly, not just summary reports. You can share these as PDFs or through a secure upload link we provide. We do not require bank statements, tax returns, or any other financial documents to complete the audit.
In most cases, we complete the initial audit and have findings to share with you within five to ten business days of receiving your statements. More complex accounts with multiple locations, multiple processors, or high transaction volumes may take a few additional days. We'll always give you a timeline before we begin.
We handle the negotiation entirely as your authorized representative. You'll need to sign a limited authorization letter allowing us to communicate with your processor on your behalf — this is standard and doesn't transfer any account control. Beyond that, your involvement is minimal. We update you at each stage and nothing is finalized without your approval.
In the vast majority of cases, no. Our goal is to negotiate better terms with your existing processor — the one you already have a relationship with and whose systems you're already using. Switching processors is rarely necessary and always your decision. If we ever believe switching would be significantly better for you, we'll present that option with full transparency alongside a stay-and-negotiate comparison.
We examine every line item on your statement, including:
Savings vary based on your current processor, pricing model, transaction volume, and how long you've been with your current processor without renegotiating. In general, businesses that have never had an independent audit of their processing fees tend to see the largest recoveries. Many clients see reductions of several hundred to several thousand dollars per month. We'll give you a specific estimate once we review your actual statements.
After negotiations are completed, we compare your post-negotiation statements directly against your pre-negotiation baseline — line by line. We document the specific fee reductions, rate changes, and eliminated charges, and provide you with a clear summary showing exactly where the savings are and how much they total each month. You don't take our word for it — you see it on your own statement.
Typically within one to two billing cycles after negotiations are finalized. The exact timing depends on when in your billing cycle the changes are implemented by your processor. We track this carefully and flag any delays or discrepancies between what was agreed and what appears on your statement.
This is exactly why ongoing monitoring matters. Processors do attempt to quietly re-introduce fees or make incremental rate adjustments over time — sometimes within months of a negotiation. As part of our engagement, we monitor your statements and identify any such changes. When they occur, we challenge them on your behalf. We don't consider our job done after the first negotiation.
In some cases, yes. When we identify fees that were improperly charged or that violated your existing contract terms, we can pursue credits or refunds from your processor. This is more processor- and situation-dependent than forward-looking savings, but it's always part of what we look for during the audit.
We work with businesses of all sizes — from single-location small businesses to multi-location regional operators. The minimum we typically see meaningful savings at is around $10,000 in monthly processing volume, but we're happy to review any situation. The only way to know if there's an opportunity is to look at your actual statements.
No. We have experience negotiating with all major processors and payment service providers, including large acquiring banks, independent sales organizations (ISOs), and technology-first payment platforms. Our approach is adapted to each processor's specific structure and pricing model, and we know the levers available within each.
A contract doesn't prevent rate negotiation — it simply means the processor has agreed to process your payments, not that the pricing within it can't be improved. In most cases, processors would rather lower your rates than lose your account. We negotiate within the existing contract structure. If your contract has problematic terms, we'll flag them and advise you on your options.
Yes. Interchange-plus is more transparent than tiered pricing, but it doesn't mean your processor margin is competitive. We frequently find that the markup on interchange-plus accounts has crept up over time, or that monthly and miscellaneous fees have been quietly added. Even on the most transparent pricing model, there is often room for meaningful improvement.
Free, in-depth guides written by payment industry veterans. No jargon, no sales pitch — just straight answers to the questions that cost businesses money every day.
These guides cover the topics we see business owners consistently misled on — from rate hikes to regulatory savings they never knew existed.
You signed up for a competitive rate — but a year later your statement shows something significantly higher. You didn't change anything. So why did your processor raise your rates? The answer is buried in fine print most business owners never see.
When Congress passed the Durbin Amendment, it capped interchange fees on debit transactions — but most businesses have never seen those savings. If your processor isn't showing you the difference, you're leaving money on the table every month.
Send us your statement and we'll apply this knowledge directly to your account — at no cost.
Request a Free Audit →Send us a message and we'll get back to you within one business day. No sales pressure, no commitment — just an honest conversation about your processing fees.
No upfront cost. No contract. No obligation. If we don't find measurable savings on your processing fees, you pay us nothing. Our interests are entirely aligned with yours.
Fill out the form below and a member of our team will reach out within one business day to discuss your processing statements.
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