Credit Card

Audits

Real Savings Without Switching Processors

How RateGuard™ Works

Analyze

We audit your current merchant account statements, comparing thousands of interchange and assessment fees. This uncovers overbilling, hidden charges, and misaligned rate structures.

Optimize

Once savings are identified, we work directly with your existing processor to update pricing structures and account settings. This process:

  • Adjusts for accurate industry classification codes

  • Consolidates fragmented accounts

  • Applies negotiated rates based on actual volume

Protect

Ongoing monthly audits ensure your optimized rates stay protected. If your processor attempts to increase fees, RateGuard flags and contests the changes.

✅ No switching processors

✅ No effort on your part

✅ Fees are only charged if savings are realized

✅ Average merchant savings: 28%

Case Studies: Real Results Across Industries

Accounting Firm — $235,406 Saved Annually

A top-100 CPA and advisory firm with six merchant accounts suffered from fragmented processing due to rapid growth and multiple divisions.

Action Taken:

  • Consolidated all accounts into one processor

  • Integrated payment gateway with client portal to remove manual entry

  • Negotiated company-wide volume pricing

    • Before: 2.34% effective rate

    • After: 2.03% effective rate

    • Savings: 13.56% or $235,406 annually

    • Processing Volume: $74M+

Auto Dealership — $62,020 Saved Annually

A single-location, family-owned dealership had outdated pricing that didn’t reflect recent growth in service operations.

Action Taken:

  • Adjusted merchant plan for fee transparency

  • Targeted reductions for high-cost card-not-present fees

  • Negotiated new rates aligned with sales growth

    • Before: 3.03% effective rate

    • After: 2.38% effective rate

    • Savings: 21.34% or $62,020 annually

    • Processing Volume: $9.5M+

Equipment Rental & Sales Company — $73,602 Saved Annually

A 60+ year-old multi-location company had high fees driven by refunds and unoptimized account setups.

Action Taken:

  • Repriced based on net volume instead of gross

  • Unified pricing across all locations

  • Increased transparency and reduced refund-related losses

    • Before: 2.44% effective rate

    • After: 2.19% effective rate

    • Savings: 10.28% or $73,602 annually

    • Processing Volume: $29.3M+

Global Nonprofit Association — $41,900 Saved Annually

A 100-year-old trade association was using multiple merchant accounts with excessive fees and incorrect classification.

Action Taken:

  • Consolidated accounts

  • Reclassified as a nonprofit to access reduced interchange rates

  • Reduced plan fees and prevented two rate hikes

    • Before: 3.69% effective rate

    • After: 2.35% effective rate

    • Savings: 36.35% or $41,900 annually

    • Processing Volume: $3.1M+

Why Businesses Trust RateGuard™

  • No operational changes or new hardware required

  • Audit and optimization are done on your behalf

  • Detailed monthly reporting shows your savings

  • Services are contingent on actual savings

Let’s Find Your Hidden Savings

If you're processing credit card transactions, you're likely leaving money on the table. Our audit shows exactly how much you could be saving—with zero risk and zero disruption to your operations.