Merchant statement reviews & quotes
We read merchant statements, explain the rates and fine print in plain language, and provide clear quotes or blind quotes without a generic sales pitch.
Payments with purpose.
Solutions with direction
Clear guidance, flexible technology, and personal support for the way you take payments at the counter, online, on the go, by invoice, or by text.
Start with a review with no obligation. We will explain what you are paying now, compare practical options, and say plainly if staying put is the better choice.
See how pricing worksSolutions that fit the way you work
Whether you are opening your doors, replacing an outdated system, or simplifying a complicated setup, we help you understand the options and choose a practical path forward.
Services
Sales process diagnostics
A review of how your sales process connects with your merchant services and integrations, so friction and gaps are easy to solve.
Personal support
Responsive guidance through selection, setup, and the questions that come after launch.
Network referrals
When a project needs more than payments, we can connect you with trusted professionals in our network.
Products
POS & omnichannel
Point of sale systems and connected omnichannel solutions that bring store, online, and mobile payments together around your operation.
Mobile & text to pay
Mobile payments, payment links, and text to pay options that help you accept payments wherever business happens.
Invoicing & gateways
Flexible invoicing and payment gateway options for card-not-present transactions, connected to the systems your business relies on.
Keep your hardware or replace it
Existing equipment may be reusable or reprogrammable, depending on the device, processor, ownership status, and security requirements. If new equipment makes more sense, we will compare outright purchase, financing, and any lease terms in plain language before you commit.
Understand what you are paying for
There are many types of pricing, some more complex than others. Here are the three most common on the market right now. Pricing is our expertise. The headline rate never tells the whole story. We help you compare pricing structure, markup, fixed fees, equipment, and contract terms side by side.
Flat rate
A single advertised rate covers many transaction costs. Often simple to understand, but the total can be higher or lower depending on your volume and card mix.
Interchange plus
Card network costs are shown separately from the processor markup. Often easier to audit because the underlying costs and added margin are visible.
Passing off the fees
Many programs let businesses pass processing fees to their customers. Rules and compliance vary by state, card brand, and business type. Call us to compare options and find ways to reduce your costs.
What to look for on a statement
Interchange
Card brand assessments
Processor markup
Fees for each transaction
Monthly or statement fees
PCI or compliance fees
Batch and gateway fees
Chargeback and retrieval fees
Monthly minimums
Contract and equipment terms
Settlement funding fees*
Non-EMV assessment fee*
*Reach out. We do not charge this fee.
Find your current effective rate
Use figures from one monthly statement. This calculator summarizes your current cost only; it is not a savings claim or processing quote.
Available offers may lower the cost of switching
Some clients qualify for free hardware, credits, and no contracts. Speak to a representative to find out what you qualify for.
Ask what I qualify forOffers are provided by Aspen Arrow Solutions and are subject to qualification, approval, and availability. Not all applicants will qualify. Free hardware and credits are provided by Aspen Arrow Solutions and are subject to Aspen Arrow Solutions' terms. All offers are subject to change or withdrawal at any time. Nothing on this page guarantees approval, specific pricing, or specific terms.
Who we serve
We work with independent businesses across a range of industries. Our guidance reflects your daily operation and your specific needs, not a generic sales script.
Restaurants
Restaurant payment processing and point of sale guidance shaped around service flow, staff, and guest experience.
Nonprofits
Nonprofit payment processing for donations, events, everyday transactions, and flexible ways to accept support.
Vape and tobacco
Smoke shop and vape shop merchant services with attentive guidance through business and processing requirements.
Small grocery
Small grocery store payment and point of sale solutions designed for practical, reliable checkout operations.
Retail
Retail payment solutions for dependable checkout, systems with inventory tools, and a smoother customer experience.
Service businesses
Flexible ways for service businesses to accept deposits, invoices, mobile payments, and payments through text links.
And more Every business works differently. Reach out to discuss your industry, workflow, and processing needs.
A guided path from quote to launch
Switching should be deliberate, not disruptive. We stay involved through comparison, setup, testing, and the questions that follow.
Understand
Start with a statement review or blind quote and a conversation about how your business accepts payments today.
Compare
Review pricing, equipment, integrations, funding details, and contract terms side by side in plain language.
Configure & test
Coordinate the approved setup, confirm the workflow, and test the payment experience before the transition.
Launch & support
Move forward with a clear plan and a real point of contact for questions after your solution is in place.
Why we are different
Payment processing should not feel like a script. We take pride in educating business owners, answering the question actually being asked, and building relationships that continue beyond setup.
Education before recommendation
We explain how the options work, where the tradeoffs are, and why a solution may fit your business, or why it may not.
Specific guidance, not canned answers
Your workflow, goals, and challenges shape the conversation. You get thoughtful answers instead of a generic pitch.
Support built on relationships
We stay attentive and accessible through evaluation, setup, and the questions that come after launch.
An honest comparison, even when the answer is “stay where you are”
We show the assumptions behind a quote, explain the tradeoffs, and give you room to compare. A recommendation should make sense for your business before you sign anything.
Questions worth asking before you switch
Good decisions start with the details. These are the questions we help business owners work through before choosing a processor, platform, or payment method.
What is an effective rate?
Your effective rate is the total processing fees on a statement divided by total card volume for the same period. It is a useful starting point because it captures more than the headline percentage, but it should still be reviewed alongside fixed fees, transaction mix, equipment, and contract terms.
What is interchange?
Interchange is part of the underlying cost of accepting card payments. It varies based on factors such as card type, transaction method, and data captured. In an interchange plus model, those costs are separated from the processor’s markup.
Why would I request a blind quote?
A blind quote can help when you do not have a current merchant statement or prefer not to share it. It uses details such as estimated volume, average ticket, business type, and payment channels, so assumptions should be shown clearly and the result should not be treated as a final statement comparison.
Will I need new hardware?
Not always. Compatibility depends on the equipment model, whether you own it, the processor and platform, software requirements, and current security standards. We will check what can realistically stay before recommending a replacement.
What should I review in a processing agreement?
Look beyond the quoted rate. Review the term length, renewal language, fee for ending the agreement early, equipment ownership or lease, reserve terms, funding schedule, PCI responsibilities, chargeback fees, monthly minimums, and every recurring fee.
How do surcharging and cash discount programs work?
They use different pricing and disclosure structures and are subject to card brand rules and applicable law. Eligibility and setup vary, so the program should be reviewed for your location, business type, payment channels, and customer experience before it is offered.
How can invoicing or text to pay help a service business?
They can give customers a secure way to pay remotely, collect deposits, or settle an invoice without visiting a counter. Available features such as recurring billing, reminders, or securely stored payment details depend on the selected provider and approved setup.
Can every business be approved?
No. Approval depends on underwriting, business verification, processing history, product or service type, and the policies of the available providers and financial institutions. We would rather set honest expectations than promise an approval we do not control.
Let’s talk about what your business needs
Tell us what you are working with, what is not working, or what you need next. We will follow up to learn more.
Existing customers
Contact us
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