Find out what you're really paying to accept payments.
Clutch helps local business owners review merchant statements, spot unnecessary fees, and explore payment solutions built for better cash flow.
No cost to review. No pressure. Savings, approvals, and funding amounts are not guaranteed.
Built for owners who don't have time to decode processing statements.
Most local businesses are quietly overpaying — not because of one big scam, but because of dozens of small line items nobody explains.
Hidden fees
PCI charges, non-qualified surcharges, batch fees, statement fees — most owners never look at them line by line.
Confusing pricing
Tiered, blended, flat, interchange-plus — different processors bury the markup in different places.
Cash-flow pressure
Slow deposits, high effective rates, and inflexible contracts squeeze the money you already earned.
See a rough estimate of what card acceptance is costing you.
This is a quick education tool — not a quote. Real numbers depend on your actual statement, processor, card mix, and industry.
Education only. Actual savings depend on your statement, processor, business type, card mix, and applicable provider rules.
Real numbers, real recommendations — not a sales pitch.
Statement line-item review
Every fee, surcharge, and rate — decoded.
Processor markup & junk fees
Spot markup buried in interchange or tiered pricing.
POS & terminal setup
Countertop, wireless, mobile, virtual — matched to how you sell.
Cash discount / dual pricing fit
Is a posted-price program right for your business?
Online, mobile & virtual payments
Invoices, links, and recurring billing when needed.
Working-capital readiness
Understand what qualifies your business for funding.
Four steps. No pressure. Real answers.
Send your statement
Email us a recent merchant statement — we'll show you where to find one.
Line-by-line breakdown
We decode every fee, rate, and surcharge in plain English.
Compare your options
Traditional interchange-plus, cash discount, or dual pricing — if they fit.
Decide on your timeline
You keep control. We explain the numbers. You decide what makes sense.
You keep control. We explain the numbers. You decide what makes sense.
The right setup for how you actually get paid.
Countertop payments
- Fast chip / tap / swipe
- Reliable daily batching
- Simple daily reporting
Built for local, service-oriented businesses.
Need cash flow to move faster?
Explore whether your business qualifies for working-capital options — for emergency cash needs, equipment, inventory, payroll gaps, expansion, or bridge funding.
Ask About Working CapitalApproval, terms, speed, and funding amounts depend on provider criteria and business qualifications.
A local money partner — not a call-center pitch.
Roy works directly with local business owners who want clearer answers, cleaner payment setups, and better cash-flow options.
- Plain-English explanations
- Direct support — no runaround
- No-pressure review
- Local business focus
- Transparent recommendations
- Compliance-forward advice
Real reviews, when we've earned them.
Rather than invent testimonials, we publish real case studies and anonymized breakdowns as we complete them.
Client proof coming soon
We're gathering permission-based reviews from current clients. Nothing invented here.
Statement review example
Sample walkthrough of surcharges, PCI fees, and processor markup — anonymized.
Local business case study
How a service business restructured its checkout for clearer cash flow.
A business sends a recent merchant statement. Clutch reviews the fees, processor markup, equipment costs, and pricing options — then walks through the choices in plain English. Final recommendations depend on the actual statement details and applicable provider rules.
Ready to see what you're really paying?
Clear numbers. Clear options. No pressure.