Find out if you're overpaying to accept card payments.
More often than not, we can find you a cheaper rate than you're paying today — through U.S. Bank's payments arm. Free to check, no pressure, no obligation either way.
Where should we send your rate check?
Start with your email — the rest takes a few seconds.
How the rate check works
Fill out the short form
Just your email, name, and business. It takes about 30 seconds — no statements or paperwork needed.
We run your rate check
Someone from our team reviews how businesses like yours are typically priced and calls you within 24 hours with your results.
You decide — no obligation
If there’s room to pay less, you’ll see exactly how. If you already have a great deal, you’ll know that too. Either way, you’re done in one conversation.
Backed by U.S. Bank
Your payments are handled by Elavon — the merchant payments arm of U.S. Bank, one of America's largest banks. Our direct partnership means bank-direct processing and pricing, without the middleman margins most processors and resellers build into their rates. That's why we can usually find a lower fee.
For more than 30 years, Elavon by U.S. Bank has helped businesses of every size accept fast, secure, reliable payments — at the counter, in the aisle, curbside, at the table, online, or in the field.
- No upfront or setup fees
- Keep your terminal in most cases
- Secure, scalable solutions
- Dedicated account manager
Same rails. Better seat at the table.
How you reach a processor decides what you pay. Most businesses come in through the most expensive doors.
Going direct
One business negotiating alone gets standard retail pricing — list rates, no leverage.
Through an ISO or reseller
Middlemen layer their own margin on every transaction you process. You pay their markup forever.
Flat-rate providers
Stripe- and Square-style flat rates are simple — but bake in a premium that established businesses with real volume rarely need to pay.
Through Revlayne
Our direct U.S. Bank partnership means negotiated partner pricing with no reseller markup — terms most businesses can’t get walking in alone. That’s why the rate check usually finds savings.*
*Savings are not guaranteed and vary by business type, processing volume, transaction mix, and underwriting outcome. Comparisons reference generally available standard pricing and common market structures; your actual rates with any provider may differ. Third-party names are trademarks of their respective owners; no affiliation or endorsement is implied.
Common questions
What’s the catch?
There isn’t one. There’s no upfront cost and no setup fee, and the rate check itself is free. If the numbers don’t work in your favor, you simply keep your current setup.
Will I need new hardware?
In most cases, no. Most businesses keep taking cards exactly as they do today — existing terminals can often be reprogrammed remotely.
Who actually processes the payments?
Elavon by U.S. Bank — one of the world’s largest payment processors, trusted by businesses for more than 30 years. Elavon handles underwriting, your rate quote, account setup, and go-live.
I’m happy with my current processor. Why bother?
Then the rate check is simply a confirmation. Worst case, you verify you already have a good deal. Best case, you reduce your monthly fees without changing how you work.