Digital Payment Guy

Most businesses are paying
more than they think.

Processing fees are confusing on purpose. Interchange, assessment, basis points, effective rate — most owners have never had anyone explain what they're actually paying for, or why it varies.

Get Started Read the Insights
No pressure  ·  Plain-English breakdown  ·  20-minute conversation
A Question Worth Asking

“If I added up every fee on my last twelve statements — would I actually know what I'm paying, or just what I'm being told?”

Why It's Confusing

The cost isn't hidden.
It's just unexplained.

Most processing statements are built to be skimmed, not understood. The fees are real and itemized — but almost no one walks a business owner through what each one means, or whether the total adds up to something fair.

Interchange & Assessment Fees
The wholesale cost of accepting a card, set by the card networks — not your processor — but rarely explained as a separate line.
Effective Rate
The real percentage you pay once every fee is counted. A healthy, low-risk business should land around 3–4% — many pay more without knowing it.
Surcharge & Compliance Rules
Card network rules on surcharging and cash discounting change, and getting it wrong creates real compliance risk most owners never hear about until it's a problem.
Hardware & Platform Fit
The right setup depends on how the business actually runs — in person, online, high-risk, low-risk. A generic terminal isn't always the right answer.
Who This Is For

A real conversation,
not a rate pitch.

Worth a Conversation
✓ Already accepting cards and want to know if the rate is fair
✓ Opening a new business and setting up payments for the first time
✓ Open to looking at an actual statement, not just a quote
✓ Want the setup to match how the business actually operates
Not the Right Fit
✗ Just looking for the lowest number on a page
✗ Not willing to share an actual statement to compare against
✗ Looking for a quick switch with no real review first
How This Works

Two conversations.
A real look in between.

01 I
The First Conversation
A real look at what's actually being paid — not a quote off a script. Bring a statement if you have one. If not, we'll work from what you know.
02 II
The Review
A real breakdown of the actual fees, the actual effective rate, and whether the current setup fits how the business runs — in person, online, or both.
03 III
The Plan
A clear answer, in plain English — what's fair, what isn't, and what the right setup actually looks like. If the current setup is already fine, that gets said too.
Insights

Plain-English breakdowns
of how payments actually work.

Latest Insight
What Is an Effective Rate?

The single number that actually tells you what you're paying to accept cards — and why two businesses with the same "rate" can pay very different amounts.

Read the breakdown →
Get Started

Find out what you're
actually paying.

One real conversation. Bring a statement if you have one. No pressure, no script — just a plain answer about what's fair and what isn't.

Get Started

Tailored Solutions For Every Business

Restaurants

Supercharge your  Restaurant or bar with the latest point-of-sale, mobile and contactless technology

Retail SMB + SME

Streamline checkout with the latest contactless payment technology and a complete omnichannel solution.

eCommerce

Launch and grow your online business with our turnkey e-commerce platform or integrate to your existing site.

Nonprofits

Empower your organization to do more good with our nonprofit donation solution including crypto fundraising

Hotels & Travel

Provide your guests a frictionless payment experience with Shift4's end-to-end hotel and travel

Sports & Entertainment

Deliver the ultimate fan experience with next-generation venue POS, mobile ordering, loyalty, and more.

Speciality

From golf courses and skit resorts to gyms and educational facilities, we have you covered.

Casino & Online Gaming

Get lucky with the end-to-end gaming solution that powers more than half of the casinos on the Las Vegas strip.