Do I have to switch processors?
No. Every audit considers two plays: renegotiating with your current processor (same terminals, no disruption) and switching to better pricing (usually bigger savings, with the migration project-managed for you). You choose — some clients never switch.
What statements do you need?
Three to six months of recent merchant processing statements, in PDF or whatever format your processor gives you. That's enough to compute your true effective rate and spot mispricing.
How exactly are "savings" measured?
First we compute your baseline effective rate (total fees ÷ total volume over your statements). Each month after the fix, savings = (baseline rate × that month's volume) − your actual fees. The formula is written into your agreement as an exhibit, so there's never a debate about what counts.
What does it cost if no savings are found?
Nothing. The audit is free, and if we can't document real savings you owe us nothing. Our fee only exists when savings exist: 50% of documented monthly savings, for a fixed term agreed in writing before any work starts.
How long does the savings share last?
A fixed term — usually 24 months — agreed in your contract before work begins. After the term ends, you keep 100% of the savings. We also offer an optional annual re-audit to keep rate creep from eating your gains.
Is my data private?
Yes. Your statements contain sensitive business and banking details, and we treat them that way: confidential handling, no sharing with third parties, and data-handling practices aligned with Canada's PIPEDA privacy law. See our privacy policy.
Do you get paid by processors too?
Our primary fee comes from you, the client — that's what keeps us independent. If a processor referral bonus is ever part of a recommendation we make, it is disclosed to you in writing before you sign anything. No hidden payments.
What if my volume drops or I close?
The fee floats on your actual monthly savings — if a slow month produces no savings, there's no fee that month. The agreement spells out what happens if you change processors or close, and there's no early-termination fee designed to trap you.
Who is this not for?
Very low card volumes (under ~$10,000/month) rarely produce enough savings to be worth anyone's time — we'll tell you that honestly in the audit. Businesses already on well-priced interchange-plus plans usually have little to gain, and we'll say so.
Do you also work on POS systems?
Yes — it's the natural follow-on. A POS health check reviews your terminals, software, integrations, and inventory data, then we quote project-priced work: terminal refresh advisory, POS software migration, integrations (POS ↔ accounting, POS ↔ ecommerce, loyalty, gift cards), and inventory setup and cleanup. Advisory and sourcing only — we don't sell or stock hardware. See POS services for details.