Lower processing fees for US businesses
PFAdvance is a Canadian-owned merchant services practice that serves businesses in both the United States and Canada. For US merchants, we offer the same wholesale-style processing comparison: send us your statement, and we show you what you would save.
Upload your statement for a free savings analysis
How it works for US merchants
US interchange structures, assessment schedules, and processor markup differ from Canada. We benchmark your statement against wholesale rates calibrated to American card networks. The analysis accounts for your card mix, transaction types, and volume so the comparison is apples to apples.
Who this works for
- Healthcare practices (surgical centers, dental, optometry, pain management, PT)
- Contractors (HVAC, plumbing, electrical, fire and life safety)
- Restaurants and hospitality
- Auto repair and retail
- Any US business processing $30,000 or more per month in card volume
Why a Canadian company
Our wholesale processing partner operates a global payments platform. We resell at wholesale-style rates whether the merchant is in Toronto or Texas. The analysis, onboarding, and support are the same. The only difference is the interchange benchmarks we compare against.
No-risk processing audit
Not ready to switch? We offer a standalone audit. We analyze your statement, show you where the markup sits, and you decide what to do with the findings. Take them to your current provider or let us handle the move. No savings found, no charge.
Get started
Send us your most recent processing statement. We compare it to wholesale benchmarks and deliver a written analysis, typically within 48 hours. No obligation, no long-term contract.
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