The expertise of
an institution.
The dedication
of a family.
We spent decades building payment infrastructure for universities and managing high-stakes merchant accounts for enterprises. We saw exactly where the money went, and where it didn't have to. Then we decided to put that knowledge to work for you.
The payment processing industry is intentionally complex. Tiered pricing, junk fees, regulatory markups, PCI surcharges: the model is designed to obscure the true cost of accepting a card.
Large enterprises employ internal compliance teams and payment operations staff to fight this. Small and mid-size businesses don't. That's the gap we exist to close.
FinTech 5 brings enterprise-grade payment expertise to every business we work with, at zero cost to the merchant.
Built from the inside out
We spent decades building and managing payment infrastructure for universities, healthcare systems, and mid-market enterprises. We saw exactly how the money moved and where it was wasted.
Watched merchants get left behind
When flat-rate aggregators promised simplicity, we watched the fine print. Convenience disguised cost. Each transaction, each batch, each 'service fee' added up. The merchants who needed help most got it least.
We decided to fix it
Taking the institutional knowledge we'd built over decades and deploying it exclusively for merchants. We launched FinTech 5 with one rule: zero consulting fees, ever.
Serving merchants across NY, NJ and beyond
Our network of 10+ tier-1 processor partners now competes for every client we represent. The expertise that once only Fortune 500 companies could access is now available to any serious business.
Four rules we never break.
The entire FinTech 5 model is built around these principles. They aren't values on a poster. They're the terms under which we operate.
We Answer the Phone
Every FinTech 5 client gets a named account representative. Not a ticket system or a chatbot. A real person who knows your account and picks up when you call.
We Represent You, Not the Processor
We're not owned by any processing company. We have no quota to fill for any particular partner. Our only obligation is to the merchant sitting across from us.
Our Revenue Comes from Processors
When you select a processor through FT5, that processor compensates us, not you. Our consulting is free to merchants, full stop. No retainers, no consulting fees, no hidden charges.
We Stay With You After the Switch
The relationship doesn't end at signing. We review your statements, catch rate creep, escalate billing disputes, and re-bid your account if a better option emerges.
Every industry. One playbook.
Your rules.
What merchants ask before working with us.
The processor we place you with compensates us from their existing margin. Our incentive aligns with yours: we only receive compensation if we find you a deal that genuinely benefits you.
We work with merchants processing from $10,000 to several million per month. Our sweet spot is $30k–$500k, but there is no ceiling and no minimum to get started.
We have established relationships with 10+ tier-1 processors including some of the largest acquiring banks and payment networks in the United States. We never steer you toward any single partner.
You get a dedicated account rep. We monitor your statements monthly, flag any rate creep, handle disputes, and renegotiate on your behalf when better options emerge. The relationship doesn't end at the signature.