"We have not looked at our card fees since we signed the contract."
Three to six months of statements from each acquirer or PSP. My own AI tool pulls out every fee line, whatever the layout, and I check what it finds. That is what makes a review like this possible in weeks rather than months.
Interchange and scheme fees are set by the card schemes. The provider's margin, and the fees added on top, are set by the provider. The review splits the two, and compares the negotiable part with what a business of your size and card mix should be paying.
What the gap costs you a year, fee by fee, and which parts are worth going after.
Renegotiate with your current provider, change the pricing structure, or go to market. You get the numbers and the arguments to take into that conversation, and I can sit in on it if you want.
Most of my career has been on the other side of these prices: at Mastercard, Citi and Elavon, and then advising acquirers and PSPs at Edgar, Dunn & Company. I know where the margin sits in a statement.
A short report on what you pay, what you should pay, and how to close the gap. For a private equity sponsor, the same review can run across several portfolio companies as one cost-out line in the value creation plan.
In scope: the cost of accepting cards, across every acquirer and PSP you use.
Out of scope: running a switch, legal review of contracts, and fraud or payment operations.
Fixed price, and no commission. I am not paid by any provider, whatever you decide. The price is agreed up front and does not move with the saving.
Start with a free first look. Send me three months of statements and I will tell you whether there is enough in them to justify a full review. If there is not, that is the end of it.