Trusted by 62,000+ businesses nationwide
Pay Less.
Process Smarter.
Grow Faster.
Most businesses overpay to accept credit cards — and never see it on their statement. We find it, cut it, and put that money back into your business with smarter technology and faster funding.
Get My Free Savings AnalysisTakes 60 seconds • No obligation
Lower or Eliminate FeesChoose Cost-Plus pricing, dual pricing, cash discount or surcharging
Free POS EquipmentTerminals, PIN pads, Clover devices and mobile readers
Next Day FundingYour funds are available the next business day
Month-to-MonthNo contract, no early termination fee
Recognized By
Get My Free Savings Analysis
Takes 60 seconds • No obligation
Your fees, your call. Lower them with Cost-Plus pricing, or eliminate them entirely with dual pricing, cash discount or surcharging.
No annual, hidden or junk fees
See what you could keep ↓Never miss a sale because you couldn’t take the card. Terminals, POS systems, mobile readers and online checkout, all set up for you.
Every way your customers want to pay
See the technology ↓Get paid the next business day, not next week, with a markup that never goes up and real US-based support 24/7.
Next day funding on every payment
See how ↓By The Numbers
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Lower Your Card Fees or Eliminate Them. Your Choice.
Eliminate your fees with dual pricing, cash discount or compliant surcharging. Rather not pass the fees to your customers? Cost-Plus pricing can substantially lower your costs.
MONTHLY PROCESSING STATEMENT
Merchant: Your Business • Period: Last month
Solution: Cost-Plus pricing
Select your business type
Your monthly card sales
$30,000
Your business saves
$2,964 / year
$247 a month • 28% lower fees
This is an estimate. For a detailed, line-item breakdown of your own statement, request your free savings analysis.
Takes 60 seconds • Results within 1 business day • No obligation
★★★★★ “Reduced our overall processing costs by $132,000+ per year.” — Clean Earth Environmental Solutions, 10-year client
How we estimate this
Today assumes a typical bundled rate of 2.95%. Cost-Plus uses card-present interchange and card-brand fees typical for retail, our 0.30% maximum markup, a $0.03 authorization fee and the $5 monthly service fee, at an average sale of $50. Dual pricing covers the card fees when set up and displayed correctly; we handle the compliance. Actual savings depend on your card mix and current pricing; your free analysis gives your exact number.
Where Your Processor Really Makes Its Money
Six ways most businesses overpay — usually several at once. Cost ranges are typical of the statements we analyze.
Tiered or Flat-Rate Pricing
$2,000–$8,000 a year
A flat rate or “qualified” and “non-qualified” tiers, with the markup hidden inside every sale.
A flat rate or “qualified” and “non-qualified” tiers, with the markup hidden inside every sale.
Transaction Downgrades
$1,500–$6,000 a year
Rewards, corporate and keyed-in cards silently pushed into the most expensive tier.
Rewards, corporate and keyed-in cards silently pushed into the most expensive tier.
Missed Level 2/3 Data
$3,000–$15,000 a year
B2B and government cards qualify for far lower rates — but only if your processor passes the data.
B2B and government cards qualify for far lower rates — but only if your processor passes the data.
Miscellaneous Fees
$600–$2,400 a year
Annual, statement, PCI and “regulatory” fees that quietly add $50–$200 to every month.
Annual, statement, PCI and “regulatory” fees that quietly add $50–$200 to every month.
Equipment Lease Traps
$1,500–$3,000 per lease
Non-cancelable 3–5 year leases on point-of-sale terminals and hardware.
Non-cancelable 3–5 year leases on point-of-sale terminals and hardware.
Early Termination Fees
$295–$2,500 to leave
Multi-year contracts that auto-renew, with penalties designed to keep you from leaving.
Multi-year contracts that auto-renew, with penalties designed to keep you from leaving.
Hidden fees with us: none.
Get My Free Savings AnalysisBuilt for Your Industry
Industry-specific payment solutions tailored to your workflow, billing, and reporting needs.
Solutions for Every Way Your Customers Want to Pay
At the counter, on the go, online or on autopay: the right equipment and software for how you sell, configured before it ships and supported 24/7.
Countertop Terminals & Complete POS Systems
A free terminal or a full POS, set up before it arrives.
In-store checkout
Countertop Terminals & Complete POS Systems
From a free countertop terminal and PIN pad to a full Clover or Exatouch system — loaded with your menu or inventory before it arrives.
- Free countertop terminal & PIN pad
- Free Clover placement program
- Dual pricing & cash discountDual pricing & cash discount built in
Valor VL100 terminal
Free with your account, with a PIN pad for your customer, tip adjust and printed receipts.
Mobile Readers & Wireless Terminals
Free mobile readers and wireless terminals for wherever you sell.
On the go
Mobile Readers & Wireless Terminals
Take payments at the job site, the curb, the event or the customer’s door — receipts by text or email, money in your account the next business day.
- Up to 3 free ProCharge Mobile readers
- iOS & Android app
- Wireless terminals sold at cost
ProCharge Mobile reader
Pairs with the free ProCharge app on your phone to take payments anywhere you work.
Payment Gateways & Virtual Terminal
Get paid online, by invoice, over the phone or on autopay.
Online • Invoices • Recurring
Payment Gateways & Virtual Terminal
Take payments from any browser, send invoices customers pay online, and keep cards tokenized, with reporting built for reconciliation.
- Virtual terminal & invoice links
- Recurring & card-on-file billing
- Shopping cart & software integrations
PayTrace Professional
Automatic Level 2/3 savings and invoicing that gets you paid faster.
Faster Funding. Fixed Markup. Real People.
Lower fees are where it starts. Here’s what keeps working for your business every day after you switch.
Next Day Funding
Every payment lands in your bank account the next business day — on every batch.
Markup Never Increases
Our fixed markup is locked in writing for the life of your account and will never be increased.
24/7 US-Based Support
In-house experts available by phone day or night — no overseas call centers and no ticket queues.
Dedicated Account Rep
One real person who knows your business and stays with your account from start to finish.
Paying Less. Processing Smarter.
Growing Faster.
From small businesses to large corporations — here’s what switching looked like.
★★★★★
“Their free Savings Analysis uncovered hidden fees in our statement, and we’re now saving over $6,000 per year. The transition was smooth from start to finish, and the new POS terminals they provided made checkout faster for our customers.”
Wicker Warehouse
Hackensack, NJ
★★★★★
“Tailored Transactions helped us understand why Level 2/3 data matters and exactly what was required to qualify. They handled the setup, improved our reporting, and reduced our processing costs by over $750 per month.”
Ford Tool and Carbide Co.
Birmingham, AL
★★★★★
“We process $70M+ in card payments annually. Tailored Transactions implemented Utility Interchange pricing, removed costly recurring fees, and reduced our overall processing costs by $132,000+ per year. They also built a payment setup that fits our operation.”
Clean Earth Environmental Solutions
King of Prussia, PA
ZERO RISK
Our Meet or Beat Guarantee
If you receive a lower written quote from another provider while you’re our client, send it to us. Once we verify it’s a genuine offer and not a teaser rate, we’ll meet it or beat it. Guaranteed.
Takes 60 seconds • No obligation
Start Saving in 3 Simple Steps
From submission to approval, the entire process can take as little as 3 business days.
01
Submit Your Free Savings Analysis Request
Takes 60 secondsComplete a short form and upload a copy of your most recent processing statement.
02
We Complete Your Free Savings Analysis
Within 1 business dayA line-item analysis of your statement showing exactly where you’re overpaying — and what you’d pay with Cost-Plus pricing, or with your card fees eliminated.
03
Fast Approval + Setup
1–2 business daysComplete a short application. We set up and optimize your account, connect your software, and program and ship your equipment — ready to run.
Takes 60 seconds • No obligation
FREQUENTLY ASKED QUESTIONS
FAQs
No. Every account is month-to-month with no early termination fee. We keep clients by saving them money, not by locking them in.
You pay the actual interchange and network fees set by Visa, Mastercard, Discover and AMEX — the same for every processor — plus our markup, never more than 0.30%, and a $0.03 authorization fee. It’s quoted in writing from your statement, every fee is itemized, and our markup never increases. See our full fee schedule →
Yes. Approved accounts receive a free countertop terminal and PIN pad, and up to three free ProCharge Mobile readers. Clover is available through our free placement program, Exatouch is free for qualifying businesses, and wireless terminals are sold at our cost.
The next business day. Every batch you close is deposited the next business day — on every account and every payment type: in person, online and keyed.
In most cases, yes. Our gateways integrate with the major accounting, ERP and e-commerce platforms, and we can connect to any software whose developer allows a third-party processor. If your current equipment can be reprogrammed, we’ll confirm it during your free analysis.
Just your most recent processing statement. Upload it with the form and within one business day you’ll get a line-item breakdown showing exactly where you’re overpaying and what you’d pay with us. No statement handy? Submit the form anyway and we’ll help you get one.
Enterprise Security
PCI DSS Level 1
Data Protection
End-to-end encryption
BBB Accredited
A+ rating
25+ Years in Business
Trusted since 2000
PAY LESS. PROCESS SMARTER. GROW FASTER.
See Exactly What Your Business Could Be Saving
Get a free, line-by-line analysis of your statement that shows exactly how much you would save with Cost-Plus pricing or by eliminating your fees.
No obligation. Month-to-month. No early termination fee. Response within 1 business day.