Know what you pay.
I'm Sean, a Certified Payments Professional. Send me your last card statement and I'll show you every fee, what it's for, and what it should cost.
Free. Reply within one business day. Then you choose what fits.
The rate isn't the problem. The fees that stack are.
Your rate is one line. Around it sit monthly fees, compliance fees, statement fees and batch fees. Each one looks small. Together they add up, and nobody explains them.
"The rate isn't a lie, but the added fees are where they get you."Sean, on what he sees most
Tap any line to see what it's for.
The processor's markup on every card sale. This is the part that's set by your agreement, so it's the part worth comparing.
A flat charge every month. Ask what it actually covers. Sometimes the answer is nothing you use.
Set by Visa and Mastercard and paid to the bank that issued your customer's card. Every processor pays the same, so this isn't where the savings hide.
A penalty for not finishing a yearly security questionnaire. It usually goes away once the form is done, and I can walk you through it.
25 cents each time the day's sales are closed out and sent for payment. Normal, and small.
A charge just for the statement. Some providers bill it even when you never get paper.
Copy these two from your last statement. Leave one blank if it isn't there.
You could stop paying
$0.00 a year
Type your fees in above to see it add up.
My accounts have no statement fee, and I get you PCI compliant so that penalty goes away.
And that's before I look at your monthly fee, annual fee and processing rates. Send me your statement and I'll go through every line with you, free.
Get my free analysisThe sample is made up for illustration. What you type stays on your screen and isn't sent anywhere.
Here's what you get. Total: $0.
Send me a statement, or ask me to reach out if you don't have one handy. You get a written breakdown, and it's yours either way.
FREE STATEMENT ANALYSIS100+ BUSINESSES HELPED
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Pick where you're headed.
Processing is where most owners start. Websites and marketing come along when you're ready.
Can customers find your hours on a phone?
Most local websites fail one simple test: a customer standing outside your shop, trying to find when you're open. I build sites by hand that pass it, with hours, a map and tap-to-call right up top.
Let them order before they walk in.
Online ordering gets connected right on your own site when your business needs it. Customers scroll the menu, add to the cart and check out from their phone.
Bookings, without the phone tag.
Customers pick a day and a time on your site, from a computer or a phone. You get the appointment instead of a voicemail.
Pick the customer. Send the invoice.
Selling to other businesses? Build the invoice, choose who it's for and send it in seconds. Your customers pay online by card or bank transfer (ACH), which often costs less than a card on a big invoice.
Every plan includes hosting, a secure connection, backups, and small edits whenever you text me.
Quoted in person. A discount on the monthly price when you process with Sean.
I explain it. You choose.
I got into card processing during COVID, through a friend. What I learned fast: small business owners aren't rich, and the money they keep really matters. So I teach owners what they're paying for and help them pick what fits.
I live in Long Beach with my wife. When we're not working, we're probably at a theme park, screaming on a roller coaster with our arms up.
I'll meet you at your business.
In person across Los Angeles, Orange, Riverside, San Bernardino, San Diego and Ventura counties. Statement reviews work wherever your business is.