Keep more of what you earn.
Processing cost is more than one advertised rate. Pricing structure, card mix, equipment commitments and contract terms all matter. Real Merchant Solutions helps you see the whole picture.
“What’s my rate?” rarely tells the whole story.
Your actual processing cost can include interchange, processor markup, transaction charges, monthly fees, equipment costs and other charges scattered throughout the statement. We look at the total cost—not one attractive-looking number.
There is more than one way to lower the cost. The best choice depends on your volume, average ticket, customers and tolerance for changing the checkout experience.
Interchange-Plus Pricing
See the underlying interchange cost and our agreed-upon markup separately—so you can understand exactly what you are paying.
Cash Discounting & Dual Pricing
These programs may offset card costs when they are appropriate and correctly implemented. We explain the customer experience, requirements and tradeoffs.
Avoid Expensive Traps
Watch for invented fees, excessive early-termination penalties, overpriced equipment leases and agreements that outlive the equipment.
Transparent pricing built from the actual underlying cost.
Interchange is the underlying cost established through the card networks and paid to the banks that issue customers’ cards. Think of it as the wholesale price all processors have to pay.
With Interchange Plus pricing, you pay that cost plus a modest, agreed-upon markup for our services. The two are shown separately, making your pricing easier to understand, compare and evaluate.
Let Customers Choose How They Pay—and What It Costs
Cash discounting and dual pricing give customers a clearly disclosed choice between a cash price and a card price. When properly implemented, these programs can substantially reduce—or even eliminate—the processing costs absorbed by the merchant. Imagine monthly processing costs as low as $0, no matter how high your processing volume.
It is not the right solution for every business. We’ll help you compare the savings, customer experience and program requirements before recommending it. If you move forward, we’ll also help with equipment, signage, receipts and staff training so the program is clear and easy to explain.
Avoid expensive traps before you sign.
Watch for invented fees, excessive early-termination penalties, overpriced equipment leases and agreements that continue long after the equipment has become obsolete.
What we look for in a statement review.
We use the numbers you already have to identify what deserves a closer look—not to manufacture a savings promise.
Processing $40,000 or more each month?
Higher-volume businesses often have more opportunity to improve pricing, particularly when moving from a flat-rate program to a more transparent structure. We will compare your current effective cost with realistic alternatives before recommending a change.
Many established businesses can reduce their total processing costs by 25% or more, depending on their current pricing, card mix, equipment costs and contractual commitments. A free statement review will show us what is possible.
Start with the numbers you already have.
Send us a recent processing statement. We’ll review the pricing, fees and commitments and tell you what deserves a closer look.