• Lack of Oversight and Government 
    ​Regulation Gives Credit Card Processors 
    ​Free Rein to ​Overbill Merchants. 

Credit Card Processors charge excessive discount rate markup, inflate interchange fees, inflate dues and assessments, make up fees, keep interchange rebates, 

keep debit rebates, force downgrades and hide fees through deceptive billing. Below, are a few of the more common ways they do it.

Zero Mark-Up / Membership 

Credit Card Processors/ISO's (independent sales organizations that resell processing) pretending to be a membership club with no markup. 





Learn More

Enhanced Billing

Most processors use the term "Enhanced Billing" when they charge a low “Discount Rate” then surcharge (over-inflate) the actual interchange rate. 




Learn More

Made-Up Fees

The processor made up a new fee called “Network Acquired Fee”. Since the processor places this in the Assessments section of their statement, it gives the illusion that the fee was from Visa or MasterCard.                                                                                                         


Learn More

Keeping Your Rebates

When merchants post refunds, the processing networks (Visa, MasterCard & Discover) return the Interchange to the processor.



        


Learn More

Missing Volume

When the processor removes the Processing Volume, the Interchange Fee can no longer be validated. 

Learn More

Bundled Billing

Processors hide their Discount Rate by 

bundling it with Processing Networks Fees (Visa, MasterCard, and Discover), which are the Base Interchange Rate, along with Dues & Assessments. 


Learn More

Bucket Billing

The processor takes the 1000+ Interchange categories and divides them into three (3) Buckets:

                        

1) Qualified

2) Mid-Qualified

3) Non-Qualified 

Learn More

Zero Disclosure   

Zero Disclosure Billing is just that. The processor does not make up complicated billing techniques, such as Bucket, Bundled, Numeric, or Missing Category Billing, etc. 



Learn More