Stop losing your
profit to
hidden fees.
Upload one statement. We send back a line-by-line audit and real bids from 10+ processors. Most come back in about 15 minutes. A day is the longest it ever takes. No consulting fee, and you don't have to switch.
(732) 300-1072, and we always answerWe negotiate across 10+ tier-1 processors so you don't have to
You might be overpaying by $12,180
this year.
Processor pricing is designed to be confusing. The difference between a bad rate and a good one is often your entire annual IT budget.
Three steps.
Permanent savings.
We handle everything. You just review the offer and say yes.
Send Your Statement
Upload your merchant statement or enter a few numbers. We analyze every line: interchange, markup, and junk fees. We flag what you shouldn't be paying.
We Go to Market for You
We submit your data to 10+ tier-1 processors simultaneously. They bid blind. They can't see each other's offers. You get their best number, not their opening one.
You Pick. We Lock It In.
Choose the winning bid. We handle the switch. Rates are contractually locked. No annual creep. Your dedicated rep stays on the account permanently.
This is what competing looks like.
We submit your statement to every major tier-1 processor simultaneously. They compete. You win. No negotiation required on your end.
Not a processor.
Your advocate.
We sit exclusively on your side of the table, with no ownership stake in any processor.
No Ownership. No Bias.
We don't own a piece of any processor. That means we recommend what's actually best for your margin, not what pays us more.
Call Us. We Answer.
Every client gets a named rep who knows their account. No ticket queue. No offshore support. No chatbot. You call, we pick up.
Real Businesses.
Real Savings.
Clients are kept confidential at their request. Savings figures are verified.
“FinTech 5 identified $18,400 in fees we didn't know we were paying. The audit was same day. The savings are permanent.”
“We had been on tiered pricing for 6 years. Nobody told us. One statement analysis and we were switched to IC+ within a week.”
“My rep answers the phone every single time. That alone is worth more than the rate savings, and those are very real too.”
Expertise across
every vertical.
From retail to high-risk, we've built specialized payment stacks for businesses just like yours.
The Payment Puddle
How to Read Your Merchant Statement
Most merchants glance at their statement and move on. It's dense and confusing on purpose. Here's how to actually read yours.
10 Reasons You Need Payment Tokenization
Every online transaction carries the risk of exposing sensitive card data to cybercriminals. Payment tokenization is one of the best defenses your business has.
Flat Rate vs Interchange-Plus Fees
Payment fees are one of the most misunderstood costs of running a business. Here's what flat-rate and interchange-plus pricing actually mean for you.
Before you upload a statement.
What most people ask before their first audit.
Is this actually free, or is there a catch?+
There's no catch. FinTech 5 is paid a commission by the processor you choose, not by you. You pay nothing for the statement audit, the competitive bidding process, or ongoing account support, whether or not you decide to switch.
How does the competitive bidding process actually work?+
We submit your processing profile to 10+ tier-1 processors simultaneously in a blind bid. They compete against each other without seeing anyone else's offer, which means you get their sharpest number instead of their opening one.
What if my current processor already has a good rate?+
Then we'll tell you that. If your statement shows you're already on a competitive interchange-plus rate, we say so instead of manufacturing a reason to switch you.
How long does it take to switch processors?+
The audit itself is usually about 15 minutes; a day is the max. If you decide to switch after seeing the bids, new rates are typically live within 5–10 business days.
Will switching disrupt my current setup?+
Rarely. Most POS systems and payment gateways are supported by our processor network, so your hardware and software usually carry over, and we schedule any cutover around your business, not ours.
Is my financial data safe when I upload a statement?+
Yes. Statements are handled through encrypted channels and used only for the audit and bidding process. We don't sell or share your data with anyone outside the processors you choose to review bids from.
Find out what
you're overpaying.
Often 15 minutes. A day is the max. Free.
Upload your merchant statement and we'll return a line-by-line audit with every hidden fee identified and competitive bids from 10+ processors.
No spam. No obligation. No high-pressure sales calls.