Trusted by 70,000+ partners 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 Card FeesChoose Cost-Plus pricing, dual pricing or surcharging
Free POS EquipmentTerminals · Mobile readers · Clover · Exatouch
Same Day FundingDeposits in as few as 5 hours after you batch
No Long-Term ContractMonth-to-month, no early termination fee
Recognized By
Get My Free Savings Analysis
Takes 60 seconds • No obligation
Recognized By
Your fees, your call. Lower them with Cost-Plus pricing, or eliminate them entirely with dual pricing or surcharging.
No annual, hidden or junk fees
See what you could keep ↓Never miss a sale over a card you can’t take. 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 same day, not next week, with a markup that never increases and real US-based support 24/7.
Same day funding available
See how ↓By The Numbers
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Lower Your Card Fees or Eliminate Them. You Choose.
Eliminate your fees with dual pricing or compliant surcharging. Rather not pass the fees to your customers? Cost-Plus pricing can substantially lower your costs.
Your business
Choose your pricing
Your prices show a cash price and a card price 3.5% higher. Many dual pricing programs set the card price 4% above cash. Ours is just 3.5% above.
Fine-tune your estimateOptional
From your last statement
Both totals are on your last monthly statement. Leave fees blank to use a typical processor’s rate.
Monthly Statement Comparison
Estimated • one month • Retail
Monthly savings
$750
Annual savings
$9,000 / year
All card fees 100% covered
How dual pricing covers it
This is an estimate. Your free, line‑by‑line statement analysis shows exactly how much you’ll save.
Get My Free Savings AnalysisTakes 60 seconds • No obligation
★★★★★ “Reduced our overall processing costs by $132,000+ per year.”— Clean Earth Environmental Solutions, 10‑year client
How we estimate this
Today uses a typical processor at 2.50% on $30,000 in card sales at a $50 average sale. Cost-Plus uses the published 2026 Visa, Mastercard and Discover interchange rates for this industry’s typical card mix and how customers pay, card-brand fees at cost, our 0.30% maximum markup, $0.03 per authorization and the $5 monthly service fee, with AMEX at our all-in AMEX rate for your average sale. Dual pricing: a card price 3.5% above your cash price covers your card fees in full, with no per-transaction or monthly fees. It’s allowed in all 50 states when prices are displayed correctly. Actual savings depend on your card mix and current pricing; your free analysis gives your exact number.
Where Your Processor Really Makes Its Money
Five ways most businesses overpay — usually several at once. Cost ranges are typical of the statements we analyze.
Tiered Pricing
$2,000–$8,000
a year
Cards are sorted into “qualified” and “non-qualified” tiers, and most sales land in the higher-priced tiers.
NO Tiered Pricing
We offer Cost-Plus pricing, dual pricing and compliant surcharging options
Transaction Downgrades
$1,500–$6,000
a year
Rewards, business and keyed-in card payments downgrade to higher rates.
NO Transaction Downgrades
Every card clears at its true cost, with no downgrade penalties
Miscellaneous Fees
$600–$2,400
a year
Annual, statement, PCI and “regulatory” fees that quietly add $50–$200 to every month.
NO Miscellaneous Fees
No annual, statement, PCI or regulatory fees
Equipment Lease Traps
$1,500–$3,000
per lease
Non-cancelable 3–5 year leases on point-of-sale terminals and hardware.
NO Equipment Lease Traps
Free POS terminals, Clover devices and mobile readers, no leases
Early Termination Fees
$295–$2,500
to leave
Multi-year contracts that auto-renew, with penalties designed to keep you from leaving.
NO Early Termination Fees
Month-to-month, no early cancellation fees
Takes 60 seconds • No obligation
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
Built 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.
Terminals & POS
A free terminal or a full POS, set up before it arrives.
Terminals & POS
Best for: In-store checkout
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 built in
Valor VL100 terminal
Free with your account, with a PIN pad for your customer, tip adjust and printed receipts.
Mobile & Wireless
Free mobile readers and wireless terminals for wherever you sell.
Mobile & Wireless
Best for: Selling on the go
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 same 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
Get paid online, by invoice, over the phone or on autopay.
Payment Gateways
Best for: Getting paid online
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.
Same Day Funding
Deposits in as few as 5 hours after you batch — so you get paid faster.
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.
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 and Discover — the same for every processor — plus our markup, never more than 0.30%, and a $0.03 authorization fee. AMEX is one all-in rate. 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.
As fast as the same day. With Same Day Funding, deposits reach your bank account in as few as 5 hours after you batch. We can also set up Real-Time Payments (RTP), which gives you 7-day funding, so your weekend sales are deposited on the weekend instead of waiting until Monday. Your fees come out separately, once a month, in one debit.
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.