If you process more than $10,000/mo in credit cards, there's a very good chance your processor is quietly stealing thousands from you every year.
And no — it's not the 2.9% you think you're paying. It's the junk fees, the "network assessments," the surprise PCI charges, and the mid-qualified downgrades buried on page 4 of a statement nobody reads.
Take the 30-second Rate Audit below → see exactly what you're really paying.
The "2.6% rate" is the biggest bait-and-switch in small business.
Here's the trick every processor uses, and here's why it works so well:
They quote you a low "qualified" rate — usually somewhere between 2.4% and 2.9%. Sounds reasonable. You sign. You plug in the terminal. Business goes on.
Then reality shows up on your statement. Rewards cards downgrade to "mid-qualified." Business cards downgrade to "non-qualified." A monthly "PCI compliance" fee appears. A "network access" fee. A "regulatory recovery" fee. A "batch" fee. A "statement" fee. A cross-border assessment on that Canadian customer.
When you actually do the math — total fees ÷ total volume — your "2.6% rate" is really 3.4%, 3.8%, sometimes over 4%.
On $30,000/mo in card sales, that gap alone is $4,320 a year. On $80,000/mo, it's $11,520. Straight off your bottom line. Every year. Forever.
So what are we actually doing here?
We're a boutique merchant advisory. Not a call center. Not a robot. Not a "sign up online and good luck." We audit your last statement line-by-line, tell you exactly where you're bleeding money, and then we go build you a custom program — better rate, better tech, and a human being who answers the phone.
And because we're this confident: if we can't beat your current effective rate, we cut you a check for $250. That's it. That's the offer.
Great logos. Terrible math for a real business.
Flat-rate processors are built for someone doing $600/mo in coffee sales. Once you're at $10k, $30k, $100k+ a month, you're subsidizing everyone smaller than you. We build the exact opposite.
Real businesses. Real results. Real people who switched and never looked back.
"We are so glad we made the switch to CardConnect a year ago! Not only has it saved us money in monthly credit card fees, but it has improved our front desk's efficiency as well."
"We've been using CardConnect for over a year and are so happy with them. Their 24/7 support is helpful, and our representative is always available to help. I had a company call to compare rates and was told they could not do any better than what we have now! Very happy."
"I have been using CardConnect for a few years now and have always been happy. I would highly recommend their company, services, and customer support."
See what you're really paying.
5 quick questions. No obligation. At the end, you'll see your estimated savings and book a free audit call to walk through it.
If we can't beat your current effective rate, we pay you $250.
Send us your most recent statement. We do a full line-by-line audit. If our proposal doesn't save you money, you get a check. That's how confident we are.
"I've been in payments for 20 years. Most business owners are being taken advantage of and they don't even know it. That's what we're here to fix."
— The CardConnect Commerce team. Real humans. Real phone numbers. Real accountability.
Straight answers.
How is the audit actually free?+
It is. We review your statement, tell you your true effective rate, and show what we can do. If we can't beat it, you get $250. Simple.
Do I have to switch processors?+
No. The audit is yours to keep. Most owners switch because the number is embarrassing — but that's your call.
Will this disrupt my business?+
No. We handle the transition on your schedule. Most switches are done in a weekend with zero downtime.
Am I locked into a long contract?+
Never. We're month-to-month. If we stop earning your business, you walk. That's the entire model.
What kind of businesses do you work with?+
Any business processing $10k+/month in card sales — retail, restaurant, e-com, services, auto, medical, professional, you name it.