Most businesses are losing money in places they never look — from overpriced payment processing to bloated software stacks. Merchant Plus helps you find every dollar you're wasting, and shows you how payments can put money back in your pocket too.
Upload your merchant statement and get a full breakdown of your interchange costs, junk fees, and real savings — in seconds.
If your business accepts card payments, you're almost certainly overpaying. Hidden fees, tiered pricing, and undisclosed markups cost businesses thousands every year. We break it all down — clearly and for free.
Learn more →From Microsoft 365 and ERP systems to cybersecurity tools and cloud infrastructure — most businesses are paying far more than they need to across their software stack. We audit it all.
Learn more →There is a lesser-known opportunity on the issuing side of payments. When your business issues virtual cards, you earn interchange revenue on every transaction — a passive income stream most businesses never knew existed.
Learn more →Our background in merchant services means we understand payments deeply. And our broader cost reduction work means we look at the full picture — from processing fees to software subscriptions to telecoms contracts.
We know how processors structure fees, where markups hide, and how to negotiate from strength.
Card processing, SaaS, ERP, cloud, cybersecurity, telecoms — every recurring cost reviewed.
We explain everything in plain language. Informed businesses make better decisions — no jargon, no pressure.
We show you where your money is going before you ever make a commitment to us.
Whether it's a merchant processing statement or a list of your SaaS tools — send it over and we'll give you a full cost analysis at no charge.
Most businesses discover significant savings within the first conversation. Let's start there.
Get a free cost analysisCredit card processing is one of the most complex and least transparent costs a business faces. Most merchants are overcharged from day one — not because processors are dishonest, but because the system is designed to be difficult to understand.
Interchange is the base cost of accepting a card. It varies by card type and data quality. Many merchants overpay here simply because they're submitting the wrong transaction data.
On top of interchange, your processor adds their own margin. On tiered pricing this is hidden in qualified buckets. On interchange-plus, it's fully transparent. Most businesses are on tiered pricing and overpaying significantly.
Statement fees, PCI fees, batch fees, annual fees, IRS reporting fees — many are negotiable or entirely removable. We find them all.
| Fee item | Rate / amount |
|---|---|
| Qualified rate (debit) | 1.69% |
| Mid-qualified rate | 2.39% |
| Non-qualified (corp cards) | 3.49% |
| Monthly service fee | $29.95 |
| PCI non-compliance fee | $39.00 |
| Batch settlement fee | $0.25 x 22 |
| Statement fee | $9.95 |
| Annual fee | $99.00 |
| AVS fee (per txn) | $0.10 x 340 |
| Effective rate | 2.94% |
| Total monthly cost | $5,292 |
| Fee item | Rate / amount |
|---|---|
| Interchange pass-through | varies |
| Processor markup | 0.25% + $0.10 |
| Monthly service fee | $10.00 |
| PCI compliance (included) | $0.00 |
| Batch settlement fee | $0.05 x 22 |
| Statement fee | $0.00 |
| Annual fee | $0.00 |
| L2/L3 rate reduction | -0.50% avg |
| AVS (bundled) | $0.00 |
| Effective rate | 1.87% |
| Total monthly cost | $3,366 |
For businesses accepting corporate, purchasing, or government cards, submitting enhanced transaction data unlocks significantly lower interchange rates. Most B2B merchants are eligible but never set it up — leaving basis points on every single transaction.
Card number, expiry, amount. What most merchants submit by default.
Adds tax data and a merchant reference code to each transaction.
Adds product codes, quantities, unit prices, freight and duty per line.
| Card type | L1 rate | L2 rate | L3 rate | Max BPS saving | Monthly saving* |
|---|---|---|---|---|---|
| Visa Corporate | 2.65% | 2.05% | 1.85% | 80 bps | $1,080 |
| MC Corporate | 2.65% | 2.10% | 1.90% | 75 bps | $810 |
| Visa Purchasing | 2.70% | 2.10% | 1.80% | 90 bps | $540 |
| MC Purchasing | 2.70% | 2.15% | 1.85% | 85 bps | $306 |
| Government / GSA | 2.45% | 1.95% | 1.55% | 90 bps | $162 |
| Total combined | — | — | — | avg 84 bps | $2,898/mo |
Free, no-obligation analysis. Most businesses discover they're overpaying within 24 hours.
Get my free analysisThe average business wastes 30% of its software budget every year. Unused tools, forgotten subscriptions, duplicate platforms, and contracts that auto-renewed at inflated rates — it adds up to thousands. We find it all and help you cut what you don't need.
Most businesses overpay on Microsoft and Google licensing — wrong tier, too many seats, or features they don't use. We right-size licences and negotiate better renewal terms.
ERP contracts are among the most expensive and least reviewed in any business. From licensing to support agreements, there's almost always room to reduce costs without losing functionality.
Cybersecurity is essential — but many businesses pay for overlapping tools or enterprise-grade products they don't need at their scale. We benchmark spend and find consolidation opportunities.
Business intelligence tools are frequently over-licensed. We audit actual usage vs paid seats and identify whether cheaper alternatives exist for your reporting needs.
CRM and marketing platforms are notorious for seat creep and feature tier upsells. We benchmark contracts, audit active users, and help you negotiate at renewal.
AWS, Azure, and Google Cloud bills are notoriously complex. We identify unused resources, right-sizing opportunities, reserved instance savings, and architectural inefficiencies.
Phone systems, broadband, mobile contracts, and unified comms platforms are frequently overpriced and under-reviewed. We benchmark and support renegotiation.
Engineering and ops teams accumulate tools fast. We audit your development and project management stack for duplication, unused licences, and overpriced tiers.
HR platforms, payroll systems, and ATS tools often carry hidden per-employee fees that scale poorly. We audit your people-tech stack and find where you're overpaying.
We map every subscription and recurring cost — often uncovering tools the business has forgotten about entirely.
Which tools are actively used? Which are ghost subscriptions or half-empty licences? We identify what can be cut immediately.
We compare what you pay against current market rates for each tool and flag where you're significantly overpaying.
Armed with data, we help you approach renewals with leverage. Most vendors will negotiate when asked the right way.
Send us a list of your tools and subscriptions. We'll show you where the savings are — for free.
Get a free cost auditMost businesses only think about payments from one angle: the cost of accepting cards. But there is a second side — the issuing side — where businesses can actually earn revenue on every transaction made with a card they issue.
When a customer pays you by card, you pay interchange and processing fees. This is what most businesses know — and where most cost reduction work happens.
When your business issues cards to employees, clients, or partners, you earn a share of the interchange fee every time one is used. Passive revenue that scales with usage.
Most businesses pull only the cost-reduction lever. Virtual card issuing gives you a second lever — one that generates revenue rather than just saves it.
Working with an issuing programme partner, your business can create and distribute virtual cards instantly and digitally, with full spend controls.
Virtual cards can be issued for travel, procurement, expenses, or any spend category — each with configurable limits and merchant restrictions.
When a cardholder uses a virtual card you have issued, a portion of the interchange fee flows back to your business — automatically, on every transaction.
The more your issued cards are used, the more you earn. For businesses with high employee or supplier spend, this generates meaningful recurring revenue.
Every time a virtual card you have issued is used, you receive a portion of the interchange fee — passively, automatically, at scale.
Set merchant category restrictions, spending limits, and expiry dates on every card — better visibility than corporate cards.
Interchange revenue is earned automatically on every transaction. No ongoing effort required after setup.
Virtual cards can be issued in seconds — no waiting for physical cards. Ideal for ad-hoc spend, travel, or one-time purchases.
Single-use or restricted virtual cards dramatically reduce fraud exposure compared to shared corporate cards.
We will walk you through how it works, whether your business is a good fit, and what setup looks like — no commitment required.
Get in touch