Card processing, explained plainly
Straight answers to the questions business owners ask me most, from Sean Carriveau, Certified Payments Professional.
- How to read your credit card processing statementFind your real cost of accepting cards in five minutes: where the totals are, how to calculate your effective rate, and the fees worth questioning.Read the guide
- Square vs Clover vs Toast vs a local processorAn honest comparison of flat-rate platforms and a local merchant services consultant: what each costs, who each fits, and when switching is worth it.Read the guide
- California credit card surcharging and dual pricing rulesCan a California business pass card fees to customers? What the law, the Attorney General, and the card brands say about surcharges and dual pricing.Read the guide
- How much does credit card processing cost?What credit card processing really costs a small business: interchange, card brand fees, processor markup, flat-rate pricing, and how to find your true rate.Read the guide
- What is a cash discount program?How cash discount programs work, how they differ from dual pricing and surcharging, the card brand rules, and what California law means for your prices.Read the guide
- Why am I paying a PCI non-compliance fee?What the PCI non-compliance fee on your statement means, how it differs from a PCI compliance fee, which questionnaire you need, and how to stop paying it.Read the guide
Want to know what you could save?
Send over a statement and I will tell you where you stand.
- You send your statement
- I break down every fee
- We walk through it together
- You decide
What you get back
- Your effective rate
- Every fee explained
- A side-by-side comparison
- A written summary you keep
Free. No obligation. Reply within one business day. Monday to Friday, 8am to 6pm. Texts answered most evenings.
Free statement analysis
Upload your latest statement and I will show you your real effective rate and what you would pay with me.
Have Sean reach out
No statement needed. Tell me the best time and I will reach out to connect within one business day.
Free. No obligation. Reply within one business day. Rather just talk? Call (714) 466-4722 or send a text.