Industries
Pricing that reflects how your industry actually operates
A restaurant loses money on per-transaction fees. An auto shop loses it on percentage markup. A law firm loses it on commercial card interchange. Find your category below.
Restaurants and bars
Tip handling, bar tabs, and a card mix that is close to total. Small details move real money at restaurant volume.
Includes: Full-service restaurants, Bars and breweries, Cafes and coffee shops, Quick service and counter service, Food trucks
Retail and specialty shops
Inventory that stays in sync, contactless at the counter, and returns that do not cost you the original fees twice.
Includes: Boutiques and apparel, Gift and home goods, Specialty food and beverage, Bike, surf, and sporting goods, Pet supply
Salons and spas
Booth renters, tips, deposits, and no-show fees handled without turning your front desk into an accounting department.
Includes: Hair salons and barbershops, Nail salons, Day spas and med spas, Tattoo and piercing studios, Massage and wellness studios
Auto services
High average tickets, deposits on big jobs, and fleet cards. At these amounts the percentage rate is what matters.
Includes: Independent repair shops, Tire and wheel, Auto body and collision, Detailing and ceramic coating, Transmission and specialty service
Professional services
Commercial cards, invoicing, and recurring billing. Level 2 and 3 data is where the savings usually hide.
Includes: Accounting and bookkeeping, Law firms, Dental and medical practices, Consulting and agencies, Insurance and real estate
Trades and field services
Get paid at the job site instead of mailing an invoice and waiting. Mobile terminals, deposits, and progress billing.
Includes: HVAC and plumbing, Electrical and solar, Landscaping and tree service, Pest control, Cleaning and janitorial
E-commerce and online
Gateway and cart integration, fraud screening, and chargeback tools. Card-not-present needs more than a checkout button.
Includes: Direct-to-consumer brands, Subscription boxes, Digital products and downloads, Marketplace and multi-channel sellers, Wholesale with online ordering
Hard-to-place businesses
Declined, frozen, or dropped by a mainstream processor? There is usually more than one underwriting path.
Includes: Newly opened businesses, High average ticket and future delivery, Businesses with prior account closures, Elevated chargeback history, Categories mainstream processors avoid
Do not see your category?
The list covers where most of my clients sit, but the approach is the same whatever you do. Send a statement and I will read it the same way.
Free. No obligation. Reply within one business day.
How the analysis works
- Send your most recent processing statement
- I calculate your effective rate and break down every fee
- You get a written comparison, and decide from there
Most come back within one business day. Monday to Friday, 8am to 6pm. Texts answered most evenings.