We work for
We audit your statement line by line, show you exactly where the money's going, and put you on transparent interchange-plus pricing. No teaser rates. No long-term contracts. No games.
We don't sell you a rate and disappear. We sit on your side of the table — diagnosing the costs you can't see, then backing it with processing built for businesses that move real money.
Send us one recent processing statement. We decode every fee, surcharge, and padded markup — and hand you a plain-English breakdown of what you're actually paying for.
We move you to transparent interchange-plus pricing and keep watch on it. When card networks shift rates, we re-audit — so your markup never quietly creeps back up.
From a single countertop terminal to a full point-of-sale rollout, we match the hardware to how your business actually runs — and set it up so it works on day one.
Online checkout, recurring billing, invoicing, and B2B processing with Level 2 & 3 data to cut interchange on commercial cards — wired into the tools you already use.
We compete on transparency, so we'll show our work. Here's the kind of outcome a clean audit and honest pricing actually produce.
"I figured everyone paid about the same to take cards. They went down our statement and flagged a batch fee and a 'non-qualified' bucket I'd never even noticed. New terminals were running before we opened the next morning."
Merchant Consultants is powered by Celero Commerce — the same platform that grew out of Community Bankers Merchant Services, a processor trusted by hundreds of community financial institutions across the country.
You stay in control the entire time. If the numbers don't beat what you've got, we'll tell you to keep what you've got.
Share a recent processing statement — that's all we need. No applications, no commitments, no credit pull to get started.
We break down every fee and calculate your true effective rate, then walk you through exactly where you're overpaying — in plain English.
Like the savings? We handle the switch — usually within a day. Don't? No hard feelings, and you've lost nothing but five minutes.
Most processors make more when you understand less. We built the opposite business.
Send one statement. Get a clear, no-pressure breakdown of every fee and a written estimate of what you could save. That's it.
It's genuinely free, with no obligation to switch. Most owners have never seen their true effective rate, and once they do, our transparent pricing tends to speak for itself. If we can't beat what you have, we'll tell you straight — and you've lost nothing but five minutes.
Often less than people fear. Many "contracts" are with the equipment lease or a reseller, not the processor — and the early-termination math frequently works out in your favor once monthly savings are counted. Send your agreement with your statement and we'll read the fine print for you.
For most businesses it's an afternoon. We handle account setup and reprogram or ship equipment so it's ready to run, and we time the cutover so you're never down during business hours. Your customers won't notice a thing — except that you're keeping more of every sale.
We're paid a small, transparent margin on the processing itself — disclosed up front, in writing, as part of interchange-plus pricing. We're not chasing a one-time commission on a teaser rate, so our incentive is to keep your costs low enough that you stay for years.
Your processing runs on Celero Commerce, an established platform built from Community Bankers Merchant Services and trusted by 400+ community banks and credit unions, moving over $1 billion a year. You get bank-grade, PCI-compliant infrastructure and 24-hour support — paired with a local advisor who knows your account by name.
Not even close — smaller merchants are usually overcharged the most, because they rarely have anyone reviewing the fine print on their behalf. Whether you run one location or several, the audit is the same and it's still free. The smaller the shop, the more every saved point tends to matter.