Request a review
Tell us about the account and we will do the arithmetic
Three questions, about ninety seconds. We reply within one business day from a named address you can reply to directly — no cost, no obligation and no credit check.
What happens after you submit
- 01
We read the inquiry
It routes straight to the desk that handles your category — standard-risk placement, high-risk underwriting, analytics or software.
- 02
We reply within one business day
From a real, named address. We will ask for your three most recent merchant statements, and an equipment lease if you have one.
- 03
You get the arithmetic in writing
Your effective rate, the transactions that downgraded, and interchange separated from processor margin. If you are already priced well, we say so.
Useful to have ready
- Your three most recent merchant statements
- Approximate monthly card volume
- Any equipment lease agreement
- Details of previous declines, for high-risk categories
None of it is required to submit the form — it just saves a round trip.
Common questions
What does "custom CRM with AI workflows" actually mean?
A CRM built to your process rather than one you configure around, with AI given specific jobs inside it: reading and routing inbound email, drafting the follow-up after a quote or call, summarizing calls into the customer record, chasing overdue invoices, and flagging customers who have gone quiet. It is not a chatbot in a sidebar. Each workflow is a defined step with a human approving anything that reaches a customer.
Will the AI email my customers without me seeing it?
No, not unless you explicitly decide otherwise for a specific workflow. The default is that AI drafts, triages, summarizes and flags, and a person approves anything that leaves the building. Every AI step is logged with what it saw, what it produced and who approved it, so it is auditable and therefore fixable.
Is my customer data used to train AI models?
No. Your records and transaction data run your workflows and nothing else. We do not pool it across clients, we do not sell it, and we do not feed it into a shared model. You also receive source code and can export your data in full at any time, so nothing about the arrangement depends on trusting us indefinitely.
How is 0% merchant fees possible if you are also building software?
They are two parts of one engagement. The software is a build with its own cost. The 0% refers to card acceptance: we place your merchant account and structure a compliant cash-discount or surcharge program so the cost of acceptance is not absorbed by your business. The processing cost does not disappear — it moves to the cardholder within the limits the card brands allow, which is permitted in most states, never permitted on debit or prepaid cards, and requires specific disclosure. We install that disclosure as part of the work.
Is 0% cost processing actually legal?
Yes, in most of the United States, and it is permitted under the Visa and Mastercard operating regulations. The requirements are specific: correct disclosure at point of entry and point of sale, a surcharge that does not exceed your actual cost of acceptance, and no surcharge on debit or prepaid cards. We build the program to those rules and install the signage and receipt language as part of the engagement.
What does a statement review involve, and what does it cost?
Nothing, and no obligation. Submit the form and we will ask for your three most recent merchant statements. We derive your effective rate, identify downgraded transactions and separate interchange from your processor's margin, then show you the arithmetic. If you are already priced well, we will tell you that.
Will I need to replace my POS or hardware?
In most cases, no. We work with the major terminal and POS platforms, and the hospitality analytics run off the payment stream rather than a POS integration. Where a terminal genuinely cannot support compliant surcharge logic, we will say so before you switch.
How long is the contract?
There is no long-term processing contract and no cancellation fee. If a separate equipment lease is involved we will identify it, because equipment leases are frequently non-cancellable and are the single most common trap in this industry.
My category has been declined before. Is that worth another attempt?
Usually, yes. Most declines are documentation failures rather than category exclusions. We rebuild the underwriting file against the specific objection and place it with acquirers who write your category deliberately rather than reluctantly.
When does funding actually arrive?
Next business day, American Express included. Same-day is available on some platforms; we will tell you whether it is worth the fee for your volume, which for most merchants it is not.