Viking
// MERCHANT SERVICES

What you actually
pay to get paid.

Processing rates, interchange tiers, statement errors and gateway fees. The category where the real number is hardest to find, because almost nothing on the statement is labelled as markup.

Start a reviewAll six systems

PROVIDERS PAY US. YOU NEVER DO.

WHAT WE LOOK AT

Effective rateTotal fees divided by total volume. One number that cuts through every tier, and the only figure worth comparing between processors.
Interchange and downgradesTransactions billed at a worse tier than they qualified for, usually because of how data is passed rather than anything you did.
Statement line itemsMonthly minimums, PCI fees, batch fees, gateway charges and the assessments that appear under names invented by the processor.
Equipment and gatewayLeases that outlived the hardware, and gateway fees for services duplicated by your POS.
Contract exposureEarly-termination terms, liquidated damages and the auto-renew clause that decides your leverage.

WHY THIS CATEGORY MOVES

The statement is designed to resist comparison.

Processors do not compete on a single price, they compete on a structure — which makes side-by-side comparison genuinely hard unless someone reduces it all to effective rate. That is the first thing we do.

Often the outcome is not switching. A credible benchmark in hand is usually enough to renegotiate with the processor you already have, which is faster and less disruptive than moving.

HOW WE'RE PAID

We are paid the same amount no matter which provider you choose.

Providers compensate us from their own margin. It is not added to your rate, your pricing is the same as going direct, and “stay where you are” is a finding we deliver in writing when the numbers say so.

// START HERE

Send one month of statements.

Send the current bill and contract. Twenty minutes, no charge, no obligation to change anything.

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