Manatt's
Construction company
$100,000+saved in year one
Before
- Waiting on deposits
- Rate hikes 1–2× a year
- Downgraded transactions
After
- Same-day funding
- Level 2 & 3 data optimization
- Free annual PCI compliance
Free statement audit · answer in 24 hours
Cut your card processing fees by up to 40%.
Most businesses overpay on every swipe and never see it. Send us your last statement — we'll show you, line by line, what you're really paying and exactly what you'd save.
- No long-term contracts
- Rate locked for life
- Same-day funding
Sample auditAuto parts store · $148,000 / mo
Current processor$5,106/mo
With Fix My Fees$3,317/mo
What we found
- Tiered "non-qualified" downgrades$884
- PCI non-compliance fee$99
- Hidden markup on interchange$806
Yearly savings$21,468
- $40Min fees saved for clients every year
- $1.4Bprocessed yearly through Fix My Fees
- 10,000+businesses onboarded
- 100+new companies joining every month
Trusted by 10,000+ businesses — from single-location shops to franchise groups
Savings calculator
See what you could keep — in 20 seconds.
Move the sliders to match your business. Our clients typically cut costs 20–40%; your exact number comes from the free audit.
Statement red flags
Is your processor quietly charging you for these?
Grab your latest statement and tick anything you see. Each one is a fee we remove or reduce.
How it works
Submit, save, switch. We handle the heavy lifting.
Send your statements
Fill in a short application and upload up to 3 months of processing statements. Everything stays confidential and is only reviewed internally.
We audit every line
Our team runs a full teardown of your current fee agreement — markups, downgrades, junk fees — and calculates your exact savings.
Your savings call
We screen-share the analysis, show where you're being upcharged and answer every question. We will never raise your fees. What you see is what you get.
Switch in 24–48 hours
Once approved, we coordinate with your team to move some or all of your processing over. No long-term contract — just lower, fixed fees.
Real results
No client is too small — or too big.
Bath Fitter
Home remodeling
$60,000saved per year at one location
Before
- Funds held during growth
- No one to call for help
After
- Fees cut 30%
- In-person payments for the sales team
- No funds on hold
NAPA franchisee
Auto parts store
$45,000back in their pocket every year
Before
- Overpaying at their bank
- Stuck in an equipment lease
- Not PCI compliant
After
- Fees cut 35%
- New, faster terminals
- $250K breach protection
AV-Tech
Electronics outfitter
6.87% → 3%effective rate — less than half
Before
- Trusted their bank was fair
After
- Upgraded machines & back office
- Streamlined cash flow
Happy Henry's
Family car wash
35%lower fees for a family business
Before
- Paying ~5% in fees
- No local support
After
- Local dedicated support
- Chargeback assistance
ATIF
Online fitness coaching
30%+saved, plus same-day funding
Before
- Fixed-rate aggregator
- 3–5 day net deposits
- Chatbot-only support
After
- Cost-plus pricing
- Gross deposits — easy books
Why merchants switch
Honest pricing, fast money, real people.
Cost-plus pricing — the wholesale rate
You pay true interchange (what the card networks charge) plus one small, fixed markup. No tiers, no "non-qualified" surprises, no bait-and-switch intro rate.
Interchange (card network cost)
Our fixed markup
Hidden markups & junk fees$0
Same-day funding
Get paid as fast as the same day — gross deposits that make reconciling your books simple.
Rate locked for life
We guarantee your processing rates for as long as your account is with us.
Month-to-month
No long-term contract and no cancellation penalty. We keep you by saving you money.
PCI + $250K breach protection
We help you get and stay PCI compliant — no monthly non-compliance fees.
Dedicated support
A real account team you can call, plus chargeback assistance when you need it.
Level 2 & 3 data
B2B and government cards qualify for lower interchange when the right data is sent. We set that up for you.
Take payments however your customers want to pay
- In personCountertop, wireless & tap-to-pay terminals
- Mobile walletsApple Pay, Google Pay, Samsung Pay
- OnlineE-commerce checkout for your website
- Virtual terminalKey in cards, invoices & recurring billing
- ACHElectronic check for B2B and larger tickets
Your merchant portal
Every sale and every deposit, in one place.
Sign in any time to see live transactions, track deposits, grab your statements, connect your website and message our team. Works beautifully on your phone.
- Live transaction feed with daily totals
- Deposit tracking and downloadable statements
- One-click WooCommerce plugin and website checkout
- Built-in support chat that knows your account
FAQ
Questions merchants ask us
How are you able to have such low fees compared to everyone else?
Most providers in the payments industry use “bait and switch” pricing — an intro rate that quietly goes up later. Banks and processors raise rates on average once or twice a year.
Fix My Fees provides processing with integrity and transparent pricing. We offer flexible month-to-month agreements and guarantee your processing rates for as long as your account is with us.
What are your rates?
We offer wholesale Interchange-Plus (cost-plus) pricing to all businesses, with no long-term contract. You pay the true card-network cost plus one small, fixed markup — so you always get the most qualified rate.
Can you increase my fees after I switch?
No. Processors typically raise rates every year. We guarantee our rates for the life of your account.
What is the average savings?
Our clients consistently see an overall cost reduction of 20–40%. Your result may be somewhat less or considerably more depending on the types of transactions you process and how you're set up today. Our team builds a plan specifically for your business.
How fast do I get paid after a sale?
We know cash flow matters. We offer funding as fast as same-day deposits, with gross deposits that make reconciling your books simple.
How do I get started?
Apply online — it takes about five minutes. Upload up to 3 months of statements and we'll run a free audit. Accounts are typically activated within one business day of approval.
If I send you my statements, is it confidential?
Yes. Your statements are only viewed internally by our team. We use industry-leading encryption, and our services are backed by the highest levels of Payment Card Industry Data Security Standards (PCI DSS).
What payment types can I accept?
In-person and contactless cards, mobile wallets (Apple Pay, Google Pay, Samsung Pay), e-commerce checkout for your website, a virtual terminal for keyed payments, invoicing and recurring billing, and ACH / electronic check.
What is interchange?
Interchange is the cost set by the card-issuing bank for each credit or debit transaction — it covers handling, rewards and risk. With cost-plus pricing this cost is passed to you at exactly what it is, with no hidden markup.
What is PCI compliance?
PCI DSS is the security standard required by the major card brands to protect merchants and cardholders from fraud. We help every client become and stay PCI compliant, and include $250,000 in breach protection.
How many businesses have you helped?
We've onboarded roughly 10,000 businesses and organizations. For our first years we worked by word-of-mouth introduction only; we've since opened up so anyone can sign up with us.
Is there a long-term contract?
No. Our agreements are month-to-month with no cancellation penalty. We keep your business by saving you money.
For agents & referral partners
Bring us merchants. Earn on every one.
Our partner desk lets you board merchants, set pricing, follow every deal and track your residuals — all in one login.
- Board in minutesSubmit an application, upload documents and send the merchant their login from your desk.
- Your own bookSee only your merchants — status, volume and transactions.
- Monthly residualsTrack your earnings as your merchants process.
Ready to stop overpaying?
It takes about five minutes. Send us a statement and we'll show you exactly what you'd save — no obligation.