Send us last month's statement. We'll show you exactly where the money's going — and what you can save. Independent, line-by-line, no sales pressure.
Processors bury the markup. These are the six places it usually hides — and what we look for when we audit your statement.
Charged monthly even if you're compliant — often for services you never signed up for. Free to fix yourself if you know it's there, per the PCI Security Standards Council.
Qualified, mid-qualified, and non-qualified tiers let your processor quietly move transactions into higher rate buckets — 30–50% above what Interchange Plus would cost.
The spread between what the card networks charge (published openly by the Federal Reserve) and what you pay is often marked up 2–3× above competitive rates. On $1M of volume, that's $4,800+ a year.
Minimum fees that trigger in slow months. Plus a separate "statement fee" of $5–$15 just for the privilege of seeing what you're being charged.
Terminal leases on 48-month contracts for devices you could buy outright for $300. Plus monthly gateway fees that competitive processors include for free.
Small per-transaction fees that compound. A 17¢ difference per authorization is $1,000+ a year for a typical small business — for the exact same service.
PDF, image, or phone photo. Drag and drop, or click to browse. Takes 30 seconds — no account to create.
Every fee, surcharge, and markup — read, categorized, and explained in plain English. Done by David or Ohad personally.
Within 24 hours. Clear breakdown of what you're paying, where it's going, and how much you'd save by fixing it.
Most business owners don't know their true all-in cost. Punch in two numbers from your last statement and we'll show you where you stand.
If you accept cards, we can probably save you money. These are the industries we know best.
You won't be passed to a sales floor or scripted account exec. You'll deal with one of us — directly.
Spends his days reading merchant statements line by line. Started NMS to do credit card processing the way he'd want it done as a business owner himself.
Career payments specialist. Builds the side of the business that gets you better rates after the audit — and walks away if the numbers don't make sense to switch.
Yes. We only earn if you choose to switch processors and we save you money. No upfront fees, hidden charges, or commitments. And if we can't save you anything, we'll send you a $500 gift card for your time.
We'll tell you when it ends and what an early termination would cost. Many processors will negotiate down or waive ETF for a switch — others won't. Either way, the choice is yours, with full information.
Usually no. Most equipment is reprogrammable on-site, and modern accounts can be opened in 1–3 business days. Worst case, you run on the old account while the new one is set up — no downtime.
Most reports go out within 24 hours of upload. Complex multi-location accounts may take 48 hours. We confirm receipt of your statement immediately so you're never wondering.
Yes. Uploads are encrypted in transit (TLS 1.3) and at rest (AES-256). Files auto-delete 30 days after your audit closes. Only the two principals — David and Ohad — see your statement. It's never sold, shared, or used for anything other than building your audit.
Interchange Plus shows you the actual wholesale rate the card networks charge plus a fixed, transparent markup. Tiered pricing hides the markup by sorting transactions into "qualified," "mid-qualified," and "non-qualified" buckets — letting your processor quietly move transactions into higher-rate tiers. Most merchants pay 30–50% more on tiered pricing than they would on Interchange Plus.
No. You'll receive one email with your audit. After that, the ball is in your court. We don't add you to a list, share your info, or run drip campaigns.
This happens often — and it's a sign you were being overcharged. If your processor matches the new rates, great: you've saved hundreds or thousands of dollars per year. You're not obligated to switch. The audit is yours either way.
Most accountants are excellent at tax and bookkeeping but aren't trained to spot merchant processing markups, downgraded transactions, or hidden interchange margins. That specialty work is what we do every day. Many of our clients are referred by their CPAs for exactly this reason.
Two principals — David Geoola and Ohad Mizrahie. You'll deal with one of us directly, never a call center or sales floor. We're a registered ISO of a major sponsor bank and are pursuing BBB A+ accreditation.
Fair question — merchant services is a sketchy industry, and pretending otherwise is dishonest. Here's exactly how we keep the lights on.
We read your statement, identify overcharges, and write up a plain-English report. No charge. No card needed. No catch.
Stay with your current processor and use the report to renegotiate? Great. Switch to one we recommend? Also great. Do nothing? Also fine — the report is yours.
It comes from the new processor's margin — not added to your bill. Your rate stays exactly what we quoted. We get paid only if you actually save money.
That's the entire model. No setup fees. No "consulting" charges. No upsells. If we don't save you money, we make nothing — and you get a $500 gift card.
Takes 60 seconds to upload. Report in your inbox tomorrow.
Upload my statement