How we get paid today
Our revenue comes from one place: a share of the savings we document for you. The audit is free. The analysis is free. We only get paid if we find real, documented savings — and then our fee is 50% of the documented monthly savings, paid over 24–36 months.
Every service agreement carries the savings formula as a written exhibit, so the math is never a matter of opinion:
Documented monthly savings = (baseline effective rate × current monthly volume) − actual monthly fees paid
The baseline effective rate is computed from your 3–6 months of pre-audit statements. "Actual monthly fees paid" comes straight from your processor statements during the fee period. Our fee is 50% of that documented monthly savings figure.
Nothing found = nothing owed. If the audit shows your rates are already competitive, you get a clean bill of health and pay us zero. And one more structural guarantee:
We never hold your money. You pay your processor directly, as you always have. You pay our audit fee separately. We never touch, hold, or route your merchant funds.
Processor referral fees — the honest status
As of 2026-09-28, we take NO referral or bounty fees from any processor.
Not from Moneris, not from Stripe, not from anyone — no referral fees, no bounties, no "partner" payouts, no volume bonuses. Nothing. The 50% shared-savings fee from you is our entire processing-related revenue right now.
We're saying this in writing, on a dated page, because the industry norm is the opposite: plenty of "free audit" firms are paid by processors for every account they steer over. If that ever becomes true of us, this page is where you'll read about it first — see below.
Our written firewall policy
A promise is cheap. A mechanism is credible. Here's the mechanism that keeps our recommendations honest, whether or not referral fees ever exist:
Our fee is a percentage of your savings
Audit recommendations are driven only by documented savings. Because our fee is a percentage of those savings, recommending a worse deal just to chase a bounty would shrink our own fee — the math fights against any incentive to steer you wrong.
No quotas, no exclusivity
We carry no volume quotas with any processor and no exclusivity arrangements that could compromise recommendations. We're free to recommend whoever's numbers are best — including "stay where you are and renegotiate."
This firewall is part of every service agreement we sign, not just a line on this page.
What goes into your agreement
Every service agreement carries this disclosure language verbatim. Nothing buried, nothing in fine print:
Processor compensation disclosure. If we ever receive compensation from a processor related to your account — referral fees, bounties, bonuses, or any other payment — it will be disclosed here in writing before you sign anything, including the amount and the processor paying it. You will never be asked to sign an agreement with undisclosed processor compensation attached to your account.
What changes if bounties ever exist
Someday a processor may offer us a referral fee, and we may take it. If that day comes, here's the standing policy, in advance, so there's no ambiguity later:
- The exact amounts will be published per processor on this page — before the first one is taken, not after.
- Your individual agreement will carry the disclosure paragraph above, naming the processor and the amount.
- The firewall policy doesn't move: recommendations stay driven by documented savings, and our percentage-of-savings fee keeps the alignment.
If a processor relationship ever conflicts with a client's best interest, the client's interest wins — that's the whole point of the firewall, and it's in writing.
Ready for an audit with nothing hidden?
Free to start, nothing owed unless we find documented savings, and the full fee arrangement is in writing before you commit to anything.
Start your free audit