Send me your last statement. I read it line by line. We talk if you want to. That's the whole process.
Send your most recent processor statement — PDF, screenshot, whatever you've got. Takes 60 seconds. No login, no account, no marketing list.
Fill out a 5-field form (name, email, phone, business name, current processor). Upload a single PDF. Hit submit.
Pull the file into my queue. Send you an automated confirmation. Get to work the same day or the next morning.
In 24 business hours, I'll email you a line-by-line breakdown of what you're paying, what's fair, and where the leaks are. Real numbers, plain English.
If the analysis raises questions or you want to compare moving vs. staying, book a 15-minute call. No pitch — just answers.
From: Jeff Glines <[email protected]>
Subject: Your statement — quick read
Hey [First Name] —
I went through your March statement. Here's what I found:
Three things jumped out:
1. Your effective rate is 3.18%. For your card mix and ticket size, fair market is closer to 1.83%.
2. The PCI fee is $39/mo. Market is $15/mo on a comparable account.
3. About 18% of your transactions are downgrading to "non-qualified" — usually means rewards cards getting hit at the higher rate.
Two paths I'd consider:
PATH A — Renegotiate. I can draft the email; you send it. Often gets you 30–50% of the savings without changing anything.
PATH B — Move to interchange-plus pricing. Bigger lift but captures the full savings.
Want to talk through it? 15 min, no pitch:
[booking link]
— Jeff
Yours will look like this — but with your actual numbers, your actual processor, and the path that fits your business.
The 24-hour analysis is the deliverable. It's not a pretext to switch you to a new processor. About 30% of merchants who get an analysis end up staying with their current setup (sometimes after I help them renegotiate). About 60% end up implementing a different path. The other 10% are split between "thinking about it" and "this isn't the right time."
What you decide is your call. If you want help implementing whatever path the analysis recommends, that's a separate engagement we can discuss after you've seen the numbers. No pressure, no follow-up auto-emails.
Yes. The 24-hour cost analysis costs nothing. The only thing I ask in return is that you read it carefully — even if you decide to stay with your current processor, you'll know your statement better than 99% of merchants.
Two reasons. (1) About 60% of analyses end with a recommendation to switch — and if I do good work, the merchant often asks me to handle the implementation. That's where I make my money. (2) The other 40% who stay tell their friends. Word-of-mouth from a merchant who feels respected beats a thousand cold emails.
You don't, until you read the analysis. But I publish my numbers: about 30% of analyses recommend staying where you are and renegotiating. If I were optimizing for switches, that number would be zero.
Talk to me. Most processor reps either won't touch high-risk verticals or will price you punitively. I work with high-risk merchants and know which processors actually handle each vertical correctly.
Probably not. Below $15k/mo, the math gets thin and you're often best served by flat-rate processors. Email me first — I'll tell you honestly whether an analysis is worth running for your size.
Yes. Your statement is uploaded encrypted and stored only as long as I need to write the analysis (30 days max), then purged. I don't share your numbers, don't sell your data, don't add you to any list you didn't sign up for.
15 minutes is the default. If we're going to need more time, I'll book a longer follow-up. The 15 isn't a sales tactic; it's a respect-your-time tactic.
YOUR MOVE
Either path takes about a minute to start. The hard part is on my end — and I do it for free.
RECOMMENDED
60 seconds to submit. 24 hours later you'll have a personalized analysis in your inbox — real numbers, plain English, no pitch.
Send the statementPREFER TO TALK FIRST
Quick conversation about your current setup. No pitch, no slide deck — just a read on whether there's room to save.
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