Lower processing fees for US businesses
No federal program is lowering your credit card rate. The only part of your bill anyone can change is the markup on top of interchange, and most merchants have never had it measured.
Send a recent processing statement. PFAdvance measures your effective rate, separates true interchange and card-brand cost from processor markup, and sends back a written analysis. Free, and there is no obligation to switch.
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. PFAdvance benchmarks 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.
What the rules actually say
- The Durbin Amendment caps debit interchange for large card issuers. It does not cap credit card interchange.
- There is no federal program reducing credit interchange for small merchants, so processor markup is the main variable a merchant can actually change.
- Surcharging rules vary by state and by card brand agreement.
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
Who handles the processing
PFAdvance is not a bank and not a processor. It places qualified merchants on a wholesale-style program through a payments partner that operates a global platform, then handles the application, underwriting, and terminal or gateway deployment. The relationship stays direct with PFAdvance.
No-risk processing audit
Not ready to switch? There is a standalone audit. PFAdvance analyzes your statement, shows you where the markup sits, and you decide what to do with the findings. Take them to your current provider or let PFAdvance handle the move. No savings found, no charge.
Get started
Send your most recent processing statement. PFAdvance compares it to wholesale benchmarks and delivers a written analysis, typically within 48 hours. No obligation, no long-term contract.
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