Skip to content

Free statement audit

Cut your payment processing fees by up to 40%

Send us three months of merchant statements. We show you line by line what you are being charged, then move you onto transparent cost-plus pricing — with no long-term contract.

  • 10,000+ merchants reviewed
  • Local dedicated support
  • No long-term contracts

Statement teardown

live estimate

$80,000
3.40%
Fees today, per year$32,640
With Fix My Fees2.28% effective
You keep$10,771 / yr

Estimate based on an average 33% reduction across audited merchants. Your real number comes from your statements.

01

$40M

Saved in fees for our merchants every year

02

$1.4B

Processed Annually Through Fix My Fees

03

100+

New Companies Joining Us Every Month

How it works

Six Steps, Fully Documented

01

Understand the Fees

Most companies use a processor without really understanding the fees they pay on every transaction. At Fix My Fees we bring integrity and transparency back to the merchant industry.

02

Submit and Save

Fill in the application and submit three months of merchant statements. Every document is confidential and viewed internally only. You are then prompted to schedule a savings call.

03

We audit

In the meantime our team runs a comprehensive audit on your statements and identifies how much you will save when integrating with our processors.

04

The Savings Call

We screen share the analysis of your current fee agreement and where you are being upcharged, and answer any questions about integration. We will never increase your fees — what you see is what you get.

05

Transition

After the call our team runs a final review, and once approved works with your team to move some or all of your processing over within 24 to 48 hours.

06

Back to Business

With no long-term contracts you go back to business as usual on fixed fees, while we keep putting money back into your bottom line.

Audited merchants

The Teardowns, Line by Line

Manatt's

Construction company

$100K saved

Before

  • Rate increases one to two times per year.
  • Unnecessary fees on every cycle.
  • Transactions downgrading.

After

  • Set up on same-day funding.
  • Optimized downgraded transactions through level 2 and 3 data.
  • Complimentary annual PCI compliance.

Bath Fitter

Bathroom remodeling company

30% lower

Before

  • Growing business resulting in record sales.
  • Processor wrongfully holding funds as a result of that growth.
  • Could not get a hold of anyone to release the funds.
  • Seeking a partner that would have their back.

After

  • Reduced fees by 30%, or $60,000 in savings per year.
  • Upgraded billing back office.
  • Sales team can now take payment in person, lowering fees further.
  • No funds on hold.

NAPA Auto Parts

Auto parts store

$45K saved

Before

  • Overpaying in fees with their bank.
  • Processing on a phone line.
  • Stuck in a lease with old technology.
  • Not PCI compliant.

After

  • Reduced fees by 35%, putting $45,000 back in their pocket.
  • Upgraded machines: faster checkout, more secure.
  • Became PCI compliant, with $250,000 in breach protection.
  • Implemented e-invoicing, check guarantee and ACH for corporate clients.

Happy Henry's

Car wash

35% lower

Before

  • Paying 5% in fees on average.
  • Frustrating support with no one local to call.

After

  • Reduced fees by 35%.
  • Local dedicated support and chargeback assistance.

AV-Tech Electronics

Electronics outfitter

6.87% to 3%

Before

  • Paying 6.87% in fees on average.
  • Thought they were being taken care of by their current bank.

After

  • Reduced fees to 3%, less than half their bank rate.
  • Upgraded machines and back office, streamlining process and cashflow.

ATIF

Fitness company

30%+ saved

Before

  • Using an aggregate processor that had them on a fixed rate.
  • Waiting three to five business days for net deposits.

After

  • Moved onto our cost-plus pricing model.
  • Saved over 30% in fees.
  • Next-day funding on gross deposits.

Merchants We Serve

Businesses like yours, paying less

  • NAPA Auto Parts
  • Bath Fitter
  • Manatt's
  • AV-Tech Electronics
  • Union College
  • Happy Henry's Car Wash
  • ATIF Fitness
  • Mountain Home
  • Beavertor
  • Advent Source
  • The ConFITdent Woman

Learn More

Too Busy

3:15

Deposits & Float Time

1:21

Real Merchant Savings

2:02

Calls from Payment Providers

1:48

Send three statements. Keep the analysis.

The audit is free either way. If we cannot beat your agreement we tell you so.

FAQ

Frequently Asked Questions

Email sales@fixmyfees.com and a person will answer.

How are you able to have such low fees compared to everyone else?

We price on a cost-plus model: you pay interchange plus a disclosed markup, instead of a blended rate that hides the difference. Volume across our merchant base keeps that markup low.

How many merchants have been onboarded?

More than 10,000 businesses have been reviewed and we process $1.4B annually on their behalf.

Out of the statements you reviewed, how many could you save money on?

The large majority. When we cannot beat your current agreement we tell you so and you keep the analysis.

Can you increase my fees after I switch?

No. Your markup is fixed in writing. What you see on the savings call is what you get.

How fast do I get paid after running a sale?

Next-day funding as standard, with same-day funding available depending on your batch time and bank.

How can I start accepting credit card payments?

Submit an application and we set up your account, terminals or gateway, and walk your team through taking the first payment.

What is interchange?

Interchange is the wholesale cost set by the card brands and paid to the cardholder's issuing bank. Nobody can discount it — the difference between processors is the markup on top and how well transactions are qualified.

If I send you my statements, how is it confidential?

Statements are viewed internally by our audit team only, are never shared with third parties, and are deleted on request.

What is the average fee saving for merchants who onboard?

Around 30 to 35% of what they were paying before, and up to 40% where old technology or downgraded transactions are involved.

How many merchants have left Fix My Fees?

Very few. There is no long-term contract keeping anyone here, which is the point.

What payment types can I accept?

Card present and keyed cards, tap and mobile wallets, e-invoicing, ACH, and check guarantee.

How do I keep my customers' financial data safe? What is PCI compliance?

PCI compliance is the card brand standard for handling cardholder data. We handle your annual attestation, keep your equipment current, and include breach protection.