From your statement to a better-fit structure.
Understand what you pay today. Analyze it. Explain it. Compare the options. Then you decide. That’s the whole process.
Discovery call
A short call, booked through Calendly. We’ll ask how you take payments (in person, keyed, online, invoices), your approximate monthly card volume, your current processor and equipment, and what matters most to you.
Send a recent statement
Email one recent monthly statement, all pages. Two or three months is even better if your sales are seasonal. Don’t send card numbers or login credentials.
Analysis & side-by-side review
We calculate your effective rate, break down your fee structure, equipment and recurring costs, identify your pricing model, and compare Traditional, Split Cash Discount, and Full Cash Discount (Lower It, Share It, Shift It) using your numbers. Any figures shown are estimates based on your statement and subject to the final approved program.
Application & setup
If you choose to move forward, we help you complete the PaybotX merchant application and gather what underwriting needs (typically business and owner information plus banking details for deposits). We also coordinate equipment or software setup. Approval, pricing, and timing are determined through underwriting and program rules and aren’t guaranteed.
Training, go live & ongoing support
We help set up your terminal or software, signage and receipts if you use a cash discount program, and staff training. After you go live, you’ll have a direct point of contact for questions.
Skip ahead: email one recent statement and we’ll start the review. We’ll set up a short call to walk through it.
Every card payment takes the same trip.
Each stop can add cost. Some of it is set by the card networks; some is set by your provider. Your statement shows both, if you know where to look.
Simplified illustration. Actual routing, funding, and fees depend on your processor, program, and transaction type.
Clear, calm, and on your terms.
Plain language
No jargon walls. Every line item gets a name and a reason.
No pressure
No criticism of your current provider, and no hard sell.
A clear recommendation
One you can say yes or no to. If you’re already in good shape, we’ll say so.
Ready for step one?
Book a short discovery call or send your statement. Either way, you’ll leave knowing your number.