Credit Card Processing & Free Rate Review
Processing statements are hard to read on purpose. Interchange, assessments, markup, monthly fees, PCI fees, batch fees, statement fees — spread across three pages so the real number is hard to find. We'll find it with you, in plain language, and show you what a different structure would mean for your volume.
What this includes
- Line-by-line review of your current statement
- Your true effective rate, calculated and explained
- Side-by-side comparison in real dollars at your volume
- Interchange-plus, flat-rate and tiered structures explained
- Cash-discount options, set up to Massachusetts rules
- Written rate disclosure before you sign anything
- Term and early-termination language identified up front
The honest version
The review is free and there's no obligation. Sometimes we read a statement and tell the owner they're already on a good rate — that happens, and we say so. A rate comparison is only worth anything if you believe the person doing it, and we'd rather be useful once than oversell you and lose the referral.
Want to talk it through? Call (617) 958-8599 and a local tech will pick up. No sales script — we're trying to work out whether we can help.
Industries we do this for
Credit Card Processing & Rate Review: common questions
Is the rate review really free?
Yes, and there's no obligation to switch. Send or bring us a recent statement — ideally a full month — and we'll go through it with you. If you're already on a competitive rate we'll tell you that.
What's my 'effective rate'?
Total fees divided by total card volume for the month. It's the only number that lets you compare two offers honestly, because it captures the monthly fees and add-ons that a quoted percentage hides.
What's the difference between flat-rate and interchange-plus?
Flat-rate charges one percentage regardless of card type — simple and predictable, often more expensive at higher volume. Interchange-plus passes through the card networks' actual cost plus a disclosed markup — more transparent and usually cheaper above a certain volume, but the statement is harder to read. Which one wins depends on your volume and your card mix, which is exactly what the review determines.
Can I pass the fee on to my customers?
Not as a surcharge. Massachusetts law does not allow a seller to add a fee because a customer pays by credit card. A discount for paying by cash or check is allowed, as long as it's offered to every customer and disclosed clearly. We'll set a cash-discount program up correctly and tell you what has to be disclosed. We're not attorneys, so for a larger program it's worth running past yours.
Will I be locked into a long contract?
We'll tell you the term on any option before you sign it, including any early-termination language. If an option has a term we think is unreasonable for your situation, we'll say so.
Other things we handle
On-Site Installation & Staff Training
We set it up on your counter and train your team on your own floor. Included, not an upsell.
Learn moreLocal POS Support & Repair
A local tech answers the phone. Most issues resolved the same day, on-site.
Learn moreCustom Hardware & Software Matching
We don't sell one platform to everyone. We match the hardware and software to how you actually operate.
Learn moreReady to sort out credit card processing & rate review?
Call a local rep or send us the details. Free either way, with no obligation.
Areas we serve across Greater Boston
Six counties, same local number. Pick your town to see who we work with there, or call (617) 958-8599 and a local tech will pick up.
Suffolk County
Middlesex County
Norfolk County
Essex County
Plymouth County
Worcester County
Also serving: Winthrop, Belmont, Lexington, Melrose, Stoneham, Wakefield, Winchester, Reading, Wilmington, Billerica, Bedford, Natick, Weston, Wayland, Sudbury, Concord, Chelmsford, Tewksbury, Milton, Westwood, Canton, Randolph, Holbrook, Walpole, Sharon, Saugus, Swampscott, Marblehead, Nahant, Lynnfield, Danvers, Beverly, Hingham, Hull, Abington, Rockland, Whitman, Hanover, Bridgewater, Kingston, Duxbury, Marshfield, Shrewsbury, Westborough, Northborough, Grafton, Auburn and surrounding communities throughout the six-county Greater Boston area. Don't see your town? Call (617) 958-8599 — if we cover it, we'll tell you; if we don't, we'll say so.