Digital Payment Guy · A Bring More Clients company
Compare payment processing and POS options with someone who knows your business.
For restaurants, retail, and service businesses in Southern California. Start with a plain-English look at what you pay today, then decide what, if anything, should change.
No cost. No obligation. Bring a recent statement if you have one.
The problem
The cost is not hidden. It's just unexplained.
A quoted rate is only one part of what you pay. Your statement also shows per-transaction charges, monthly fees, and costs that change with every card your customers use. Most owners have never had anyone walk them through it.
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01 Interchange and assessments
The base cost set by the card networks. It varies by card type and how the card is taken, and it is the same no matter who your processor is.
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02 Processor markup
What your processor adds on top. This is the part that differs from one provider to the next, and the part worth comparing.
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03 Per-transaction and monthly fees
Small per-sale charges, statement fees, equipment or software fees. Each looks minor. Together they add up.
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04 Your effective rate
Total fees divided by total card sales. One number that shows what accepting cards really costs your business.
Run the numbers
See what accepting cards really costs you.
Two quick tools. No statement upload and no contact details needed.
About $19,200 a year in processing costs.
4.10% of the sale
Card tapped or dipped6.30% of the sale
Card not presentOnline costs $0.22 more per order. At 100 online orders a month, that's $264 a year .
Wondering if there is a better option for your business?
Request a Payment ReviewOnline orders cost more because the card isn't present, which carries higher card-network costs and more fraud risk. Example rates are typical flat-rate pricing; enter your own from your statement. Estimates for education only.
Who I help
Know what your business pays to accept the card brands.
Independent owners across Southern California who want a clear answer before they sign anything new.
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Restaurants
Full service, quick service, bars, and cafes. Counter, table, online, and delivery orders all affect what you pay.
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Retail
Shops and specialty stores that need fast checkout, inventory that stays accurate, and fees that make sense.
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Service businesses
Salons, auto, home services, and professional offices that take payments in person, on the go, or by invoice.
How it works
Three steps. No pressure at any of them.
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Review
We look at your current statement and how your business takes payments, so we start from real numbers.
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Compare
I lay out the practical options side by side: rates, equipment, software, and contract terms. If your current setup is fine, I'll tell you.
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Move forward
If a change makes sense, I help you through the next steps and stay your point of contact.
Installation, programming, and ongoing technical support are provided by the processing and POS partner behind the solution you choose. I'll tell you exactly who that is before you decide.
Louis “Maverick” Ramirez Founder, Bring More Clients LLC
Talk with Louis first
Before you switch anything, know what you're paying.
I've worked in merchant services with Quantum Electronic Payments, SpotOn, and Shift4, and I help local owners understand their payment costs before they change a thing. You'll get a straight answer, even if the answer is to keep what you have.
Or call 714-553-5819
Digital Payment Guy is a service of Bring More Clients LLC, helping local businesses increase sales and decrease costs.
Platforms we sell, set up, and support
One advisor. Every major platform. We help you choose the right system, then a local California team handles installation, programming, and 24/7 support.
FAQs
Clear answers about payment reviews, processing costs, equipment, and what happens if you decide to make a change.
What happens during a payment review?
I look at your recent processing statement, the fees you pay, and how your business accepts payments. Then I explain what I find in plain English and discuss options that may fit. If your current setup makes sense, I’ll tell you.
Is the payment review really free?
Yes. There is no cost or obligation for the initial review. You decide whether to take any next step.
Do I have to switch payment processors?
No. The review starts with understanding what you have. A change only makes sense if it offers a better fit for your costs, equipment, or daily operations.
Will I have to replace my POS system or payment terminals?
Not necessarily. It depends on your current equipment and the option you choose. I’ll explain any equipment changes and costs before you make a decision.
What is an effective processing rate?
It is your total processing fees for a period divided by your total card sales for that same period. For example, $1,600 in fees on $50,000 in card sales is a 3.2% effective rate. It is a useful starting point, but it does not explain every fee or tell us by itself whether a plan is a good fit.
Are you the payment processor?
Digital Payment Guy is a service of Bring More Clients LLC. I help business owners review and compare payment and POS options. The provider you select supplies the processing service and sets its final pricing and terms.
Who handles setup and technical support?
That depends on the provider and product you choose. Before you move forward, I’ll explain who handles installation, training, and ongoing technical support. I remain your point of contact as you evaluate the options.
Can you help with more than payment processing?
Yes. Through Bring More Clients LLC, I also help local businesses with ways to attract and keep customers. We can discuss those services separately if they are useful to your business.
