Why we started this
If you've ever read a merchant processing statement and felt that someone, somewhere, was getting away with something — you weren't wrong. The merchant services industry has built an entire business model around obscurity: tiered pricing that hides markup, contracts that auto-renew, equipment leases that cost ten times the device, junk fees stacked like cordwood.
We've been on the other side of that business — and we got tired of watching small business owners pay for opacity. NMS exists to do the opposite: read your statement honestly, tell you exactly what you're paying, and only recommend a change if the math actually works out for you.
If we can't save you money, we say so. About a third of the audits we run end with the merchant staying with their current processor — but at much better rates, because the audit gave them leverage to renegotiate. We're fine with that outcome.
The people
David Geoola
David runs the statement-reading side of the business. He spends his days line-by-lining merchant statements — the kind of work that's tedious for most people and just satisfying for him. Background in operating his own small businesses, which taught him exactly which fees feel arbitrary to a business owner because they are.
Ohad Mizrahie
Ohad's the payments specialist. He spent years inside the merchant services industry watching how pricing actually gets built — and decided he'd rather build it the honest way. He handles the side of the business that gets clients better rates after the audit, and walks away from the deal if the math doesn't work.
How we make money
This is the part of any merchant services site that's usually conspicuously vague. We'll be direct:
- The audit costs you nothing. No card, no commitment, no auto-bill. If we can't find you any savings, we send you a $500 gift card for the time.
- If you choose to switch processors through us, we earn a small ongoing share — but it comes from the new processor's margin, not added to your bill. The rate we quote you is the rate you pay.
- If you don't switch, we make $0. No setup fees, no consulting charges, no upsells. You keep the report and we move on.
Credentials
- Registered ISO of [Sponsor Bank — name pending public disclosure]. We're authorized to actually open merchant accounts, not just refer them out.
- Independent — we're not affiliated with a single processor. We shop your account across the market and recommend whichever option's actually best.
- BBB — accreditation pending; application submitted.
- Based in California, serving U.S. businesses nationwide.
What we don't do
- Call centers. Every call goes to David or Ohad personally.
- Auto-renewing contracts. The merchant accounts we set up are month-to-month.
- Equipment leases. We help you buy your terminal outright; never lease.
- Hidden fees. Whatever's quoted is what's billed.
- Pressure to switch. The audit is the product. What you do after it is yours.
Talk to us
The fastest way to find out what you're paying is to upload a statement. The fastest way to talk to one of us directly is to call or text — we both answer our own phones.