RATE LOGIC PROKNOWLEDGE CREATES CLARITY
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Tired of Rate Increases, Miscellaneous Fees, and Hidden Fees?

Lower Your Rate. Or Pass Along the Fee.

We'll show you both, side by side. See how it works

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  • Founder-led, 20+ years in payments
  • Your own dedicated rep
  • US based support

Passing along fees uses a dual pricing or surcharge program on eligible card sales. Surcharges are 3% on credit cards only; we never surcharge debit or prepaid cards. Availability varies by state, and monthly or equipment fees may apply.

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Get both proposals free.

What happens next: we contact you to review a recent processing statement and prepare both proposals.

No cost and no obligation. We only use your details to prepare your analysis. Privacy Policy

  • Visa
  • Mastercard
  • Amex
  • Discover

Knowledge Creates Clarity.

Tired of Rate Increases, Miscellaneous Fees, and Hidden Fees?

Send us a recent statement and get both proposals free: a lower rate, and a compliant way to pass fees along.

Free Analysis Already a merchant? Get support

Hidden fees. Padded fees. Junk fees.

We'll Show You Where You're Overpaying

Processing statements are built to be confusing. Here's a typical one with the costly lines marked. Tap a number to see what it really is and which kind of fee it is. We'll do the same with yours.

Merchant StatementSample Business LLC · August
Sample
Total card sales$86,420.00
FeesAmount
Visa discount fee$1,204.18
Mastercard discount fee$812.44
Non-qualified surcharge$312.40
Transaction fees (1,842 × $0.10)$184.20
PCI non-compliance fee$49.95
Monthly minimum fee$25.00
Statement fee$15.00
Annual fee$99.00
Total fees$2,702.17
Effective rate3.13%
Notice: Effective next month, pricing on your account will be adjusted.

  1. A real cost, marked up. When a card doesn't "qualify" for your best rate, like rewards cards or keyed-in payments, the processor adds its own padding on top. Often the biggest line on the statement.

  2. Pure profit for the processor. Charged every month because a yearly security questionnaire wasn't completed, which nobody told you how to do. Easy to fix, and rarely explained.

  3. Buried in the terms. Charged when your processing fees don't reach a set minimum for the month, so slower months cost more.

  4. No service behind them. Small charges for sending your statement or keeping your account open. They look minor, but they add up over a year.

  5. Hidden in plain sight. Rate increases are announced in a short message on the statement itself. Most owners never see them, so the rate goes up quietly.

Send us your statement and we'll show you which fees are hidden, which are padded, and which are junk, free.

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Sample proposals

See Exactly What You'll Get

Every free analysis comes with both of these proposals, built from your own statement. Here's an example for a wholesale distributor processing about $227,700 a month.

RATE LOGIC PROKnowledge Creates Clarity
Proposal 1 of 2
Lower Your Rate
Prepared forWholesale DistributorMonthly card volume: $227,703.52
Current effective rate3.33%$7,586.59 / month
With Rate Logic Pro2.89%$6,580.63 / month
$1,006per month
$12,072per year
$36,215over 3 years
13%savings
Current companyRate Logic Pro
Monthly volume$227,703.52$227,703.52
Total monthly cost$7,586.59$6,580.63
Effective rate*3.33%2.89%

*Effective rate: total fees divided by total volume, your true net cost of processing cards.

RATE LOGIC PROKnowledge Creates Clarity
Proposal 2 of 2
Pass Along Your Fees
Prepared forWholesale DistributorMonthly card volume: $227,703.52
TodaySurcharge*Dual pricing
Processing fees per month$7,586.59$1,707.78$0.00
Monthly program fee—Quoted in proposalQuoted in proposal
Processing fees per year$91,039.08$20,493.36$0.00
Surcharge program saves$70,54677% of processing fees per year
Dual pricing saves$91,039100% of processing fees per year

*Surcharge shown at 3% on credit card sales only; debit and prepaid cards are never surcharged, and surcharging is not available in all states. Savings are on processing fees; the monthly program fee is quoted in your proposal and is not included above.

Get My Two Proposals

Example for illustration. Your proposals are based on your actual statement.

How 0% Processing works

Pass Along Card Fees. Keep the Whole Sale.

A small card fee covers processing, so you keep the full price. Your terminal handles the math automatically.

Traditional Processing

The old way
You keep about97%

0% Processing

Rate Logic Pro
You keep100%
See how it works, step by step

On eligible credit card sales with a 3% card fee. Debit and prepaid cards are never surcharged. Traditional fees vary by processor and card type, and monthly and equipment charges may still apply.

What's included

Everything included in every account

Dual pricing programFlat monthly feeQuoted in your proposal, in writing, before you sign.
  • Founder-ledOur founder brings 20+ years in payment processing to every account.
  • No hidden feesEvery fee is listed up front in your proposal, in plain dollars.
  • Free statement analysisA review of what you pay today, with the hidden, padded and junk fees marked.
  • US based support1-888-NO-FEES-0 reaches a real person who knows your account.
  • Next-day fundingOn qualifying batches.
  • Setup done for youTerminal settings, signage and receipt wording to match your program.
  • Online checkout and invoicingTake payments on your website and by emailed invoice.
  • Tap to payContactless cards, Apple Pay and Google Pay.

Our promise

No Games. Just the Truth About Your Processing.

No hidden fees, no surprise rate increases, no fine print you weren't told about.

  • We'll show you where you're overpayingThe hidden fees, the padded fees and the junk fees on your statement, and what each one is costing you.
  • Every fee in writing before you signNo surprises on your first statement or your twelfth.
  • If we can't save you money, we'll tell youWe'd rather lose the deal than sell you something that doesn't help your business.

Compliant by design

Set Up the Right Way From Day One

Passing along card fees is only worth it if it's done by the rules. We handle the details so you don't have to worry about them.

  • 1

    Clear price signage

    Cash and card prices posted where customers see them, at the door and at checkout.

  • 2

    Correct receipts

    Terminal and receipt wording set up so every sale shows the right price.

  • 3

    Card brand and state rules

    Your program matched to the card brand rules and the laws where you do business.

See our compliance checklist
Shop owner taking a card payment at the counter

One-on-one support

One Person Who Knows Your Business.

Processing is only as good as the people behind it. Rate Logic Pro is founder-led, with 20+ years in payment processing, and you get one-on-one support from setup to every call after.

  • Your own dedicated rep

    The person who signs you up stays your rep, so you never have to start over with someone new.

  • A real person answers

    Call 1-888-NO-FEES-0 and talk to US based support, not a phone tree or a chatbot.

  • We keep checking

    Ongoing account reviews so your pricing stays right as your business grows and the industry changes.

Call 1-888-NO-FEES-0 Start My Free Analysis

Getting started

Switch in Three Simple Steps

You send a statement. We handle the rest, and we're still the ones you call after you switch.

  1. 1

    Send Us Your Statement

    Any recent month from your current processor, every page. The costliest fees are often on the last page.

  2. 2

    Get Both Proposals

    We show what you pay today and what you'd pay with each program, in plain dollars. No jargon to decode.

  3. 3

    We Handle the Setup

    Terminal settings, receipt wording and signage set up to match your program, with a real person to call after.

Start My Free Analysis