Merchant services, without the markup

Find what you are overpaying to accept cards.

We read your processing statement line by line, flag every fee you should not be paying, and show you exactly how much you can recover. No switching required. No contracts. No pressure.

  • A real person reads it
  • Answer in 1 to 2 days
  • Honest even if it is "stay put"
Independent businessesRestaurantsRetailProfessional servicesE-commerce

The problem

Processing is built to be confusing. That is where the money leaks out.

You signed a rate once and never looked again. Providers count on exactly that. The real cost hides in downgrades, padded markups, and fees with friendly names.

01

Stacked junk fees

Statement, batch, PCI, and "regulatory" fees. Small lines that quietly add up to real money every single month.

02

Silent downgrades

Transactions that fall to non-qualified rates because of how they run, costing a premium you never agreed to.

03

Padded markups

The markup over true interchange is where your provider makes its margin. Most owners have no idea what theirs is.

04

Set and forget

Rates that were fine three years ago drift out of line as your volume and mix change. Nobody calls to fix it.

Estimate your leak

How much are you leaving on the table?

Drag your monthly card volume for a quick estimate of what a typical review recovers. Your real number comes from your actual statement.

Monthly card volume$50,000
$5k$250k$500k$1M
your statement, line by line
Estimated recoverable
$250/mo

Based on the typical 0.3% to 0.6% overpayment a review uncovers.

Per year$3,000
Over 3 years$9,000
Get my exact number

Estimate only. Your free review uses your real statement.

How it works

Three steps. Ten minutes of your time. Zero obligation.

  1. 01

    Send a recent statement

    One recent processing statement is all we need. Upload it or email it over. Your data stays private.

  2. 02

    We read it line by line

    We separate true interchange from markup and fees, and flag every line where you are paying more than you should.

  3. 03

    You get a clear breakdown

    Exactly what you pay, what you can recover, and your options. Keep your provider or switch. Your call, no pressure.

What a review finds

The same handful of leaks, over and over.

Most statements hide three to seven of these. Here is what we hunt for, and roughly what each one tends to cost.

What it isWhy it leaksTypical hit
Non-qualified downgradesCards run in a way that drops to a premium tier0.3 to 0.8%
Padded interchange markupMargin stacked on top of true network cost0.2 to 0.5%
Monthly "service" and PCI feesRecurring charges you rarely agreed to$20 to $150/mo
Batch and statement feesPer-batch nickels that add up fast$10 to $60/mo
Stale, drifted pricingA rate that no longer fits your volume or mixvaries

The promise

You get a person, not a portal.

Send a recent statement and I read it myself, line by line. If you are already in good shape, I will tell you and we are done. If there is money leaking, I will show you exactly where and what to do about it. No switching required, no long-term contracts, no pressure.

Chris WyattHamilton Merchant Partners

Free rate review

See what you are really paying.

Send a few details and a recent statement. Within a couple of business days you will have a clear, line-by-line read of your processing costs and where you can recover. Free, and yours to keep.

  • No cost and no obligation
  • Your statement stays private
  • An honest answer, even if it is "stay put"
Prefer to talk first? 773.484.0249 chris@hmppay.com

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