Questions, answered straight
If yours isn't here, give us a call or send a note. We're happy to explain how card processing works.
The Basics
What does MPBH actually do?
We review your credit card processing statements, find overcharges, inflated rates, and unnecessary fees, negotiate them down with your current processor, and then monitor your statements every month so the savings stick.
Are you a credit card processor?
No. We don't sell processing, equipment, or software. We're an independent advocate working only for the merchant.
Do I have to switch processors?
No. Our whole approach is built around improving the deal you already have. No new equipment, no new software, no disruption at the register or checkout.
What size business do you work with?
Businesses of all sizes that accept cards. Generally, the more card volume you process, the more there is to look at. [Optional: state minimum monthly volume, if any]
The Process
What do you need to get started?
One to three recent processing statements. That's it for the free review. If you decide to move forward, we'll ask for a signed authorization so we can speak with your processor about your account.
How long does the review take?
Typically [X business days] after we receive your statements. We'll then schedule a short call to walk through the findings.
Will my processor know I'm working with you?
Yes. We negotiate with them on your behalf, with your written authorization. This is a normal, professional conversation, and it doesn't put your account at risk.
How soon will I see savings?
Changes usually show up within one to two statement cycles after the processor applies them, though timing varies by processor.
What happens after the rates are lowered?
We keep reviewing your monthly statements. If a new fee or rate increase shows up, we go after it. You'll get regular savings reports.
Fees & Agreements
Is the statement review really free?
Yes. There's no cost and no obligation for the initial analysis and findings call.
How does MPBH get paid?
We're paid a share of the verified savings we create, [XX]% to MPBH and [XX]% to you. If there are no savings, there's no fee.
Do you guarantee savings?
No honest advocate can promise a number before seeing your statements. What we promise is a thorough analysis and a straight answer. If we don't see meaningful savings, we'll tell you.
How long is the agreement?
Agreement length and terms are spelled out in writing before you sign. [MPBH to define term, cancellation, and minimums]
Security & Privacy
Is it safe to send you my statements?
Processing statements don't contain your customers' full card numbers. We treat everything you send as confidential and use it only to analyze your account. [Describe secure upload method and data-handling policy once chosen]
Do you need access to my bank account or card data?
No. We work from your processing statements and an authorization letter. We never need your customers' card data.
Put a bounty on your hidden fees.
Send us a recent processing statement. The review is free, and you don't have to switch processors.