Send us one recent processing statement. We break down every line of it and show you what the same volume should cost. If you're already priced well, we'll tell you that too. And if the system running your counter is the real problem, we place that too.
The bottom three go straight to Visa and Mastercard. Nobody — not us, not your processor — can change those. Everything above them was added by whoever set up your account, and that's the part we put in front of you.
You don't switch anything to find out where you stand. The review is free and it ends with a number, not a pitch.
A recent monthly processing statement, all pages. Email it or hand it over on the call. Nothing else is needed to start.
Our analysts separate the part the card brands charge from the part your processor added on, and work out your effective rate — the total you paid divided by everything you ran. Turnaround is typically two business days.
A short call over the report. If there's money on the table, you'll see exactly where. If there isn't, that's the whole meeting.
A written report, not a verbal quote. Yours to keep and to shop, whether or not you ever work with us.
Every statement splits into these two parts. Only one of them is negotiable, and most owners have never been shown where the line falls.
A better rate on the wrong system isn't worth much. Through our POS partners we place, configure, and support full point-of-sale builds across most industries — and the processing is priced into the same conversation, so you're not negotiating twice.
Table and coursing management, open tabs, tip adjust, kitchen display, handhelds for tableside ordering, online ordering and delivery integration, house accounts. Fast-casual and full-service both.
Deep SKU catalogs, case-break and mix-and-match pricing, age verification at the terminal, distributor invoice import, and scan-based inventory that actually keeps up with a wall of product.
Barcode and label printing, size and color matrix, purchase orders and receiving, multi-location inventory, customer loyalty and store credit, e-commerce sync.
Age verification, high-SKU inventory with fast reorder, multi-location transfers, and processing arranged through providers who actually underwrite this category rather than closing the account in month three.
Booking and stylist or provider calendars, memberships and packages, card on file for no-show protection, service plus retail in one ticket, commission tracking.
Scale and deli integration, age-restricted prompts, high-speed scanning, vendor invoice management, and fuel or lottery workflows where they apply.
Service drive and parts counter payments, deposits and down payments, surcharging where it's permitted, and card-not-present for remote buyers.
Run payroll through the same system that rings up the sale. Hours flow from the schedule into the paycheck, tips and commissions come along with them, and taxes are filed for you — no second vendor, no exporting spreadsheets on a Sunday night.
Take payment straight from a customer's bank account and know the money is good. Ordinary bank transfers can bounce back days later; on approved accounts, ours are guaranteed, so a large invoice or a deposit isn't money you have to wait and worry about.
Mobile terminals and pay-by-link invoicing, deposits on booking, recurring billing for maintenance plans, and payments that reconcile against the work order.
Not on this list? Most businesses that take a card are ones we can help — professional services, veterinary, dental, fitness, wholesale, e-commerce, property management, nonprofits. A handful of business types are ones the banks won't approve, and if yours is one of them we'll say so upfront instead of letting you waste a week finding out.
Upload a recent monthly statement and you'll have a written breakdown back within two business days. No obligation to switch anything, and no cost either way.
If you already have trust with business owners, you're sitting on this. You make the introduction and send the statement. We handle the analysis, the onboarding, and every support call after — and you're paid monthly for as long as the merchant processes.
Upload it here or email it to mike@surfacepayments.com, and you will have the breakdown back within two business days. Questions first are fine — call or write and we'll start there.
Surface Payments · (610) 529-1544