How does the contingency pricing work?

We work on a contingency basis—our fee is a percentage of the money we recover for you. If our audit doesn't find any recoverable overcharges, you pay absolutely nothing. There's zero financial risk to you. Contact us for details on our current contingency rate.

What types of overcharges do you typically find?

Common findings include inflated interchange markups, non-qualified surcharges applied incorrectly, PCI non-compliance fees that shouldn't be charged, batch fees above contracted rates, statement fees, gateway markups, and billing errors where the wrong rate tier was applied. Most businesses have multiple overcharge categories.

How much can I expect to recover?

Recovery amounts vary significantly depending on your processing volume and how long the overcharges have been occurring. Businesses with higher monthly volumes and processors they've used for 3+ years without renegotiating almost always have significant recoverable overcharges. We'll provide an estimate after reviewing your statements.

Do I have to switch processors?

No. Our service is focused on auditing and recovering overcharges from your current and past processors. We don't sell processing services, so we have no incentive to push you to switch. If your current processor is competitive after corrections, there's no reason to change.

Which processors do you audit?

We audit statements from all processors including Square, Clover, Stripe, Chase Paymentech, First Data/Fiserv, Worldpay, Heartland, TSYS, Elavon, and hundreds of ISOs and resellers. Regardless of who processes your payments, we can analyze your statements.

What statements do you need?

We need 6–12 months of your merchant processing statements. These are the detailed monthly statements from your processor (not your bank statements). If you don't have them readily available, we can often obtain them directly from your processor with your authorization.

How long does the audit take?

A standard audit is completed within 5–10 business days. Complex cases with multiple merchant IDs or processors may take slightly longer. We provide preliminary findings within the first few days if we identify significant overcharges.

Is this service available for e-commerce businesses?

Yes. E-commerce businesses often have the most complex processing arrangements, with gateway fees, shopping cart integration costs, and tiered pricing that creates multiple opportunities for overcharges. The audit process is the same—we analyze every fee against what you should be paying.

Can bookkeepers or CPAs refer their clients?

Absolutely. We work with many bookkeepers and CPAs who refer their business clients for processing audits. We offer referral arrangements and can white-label our analysis under your firm's branding. This is a valuable add-on service for accounting professionals.

What if my processor retaliates for the audit?

Processors cannot legally retaliate against you for questioning your rates or requesting fee corrections. The fees we identify are genuine overcharges or billing errors that the processor is obligated to correct. Our approach is professional and based on documented contractual and interchange rate violations.

Do you provide ongoing monitoring?

Yes. After the initial audit and recovery, we offer ongoing monitoring to ensure corrected rates stay in place and new overcharges don't appear. Processors often gradually increase rates again after corrections, and ongoing monitoring catches these increases early.

What's the difference between interchange and markup?

Interchange is the base fee set by Visa/Mastercard that goes to the card-issuing bank. Your processor has no control over interchange. The markup is what your processor charges on top of interchange—this is where overcharges occur. Our audit focuses on the markup portion to ensure you're paying fair rates above interchange.

All Divisions

Financial Recovery

Revenue Recovery Audit

We Audit Your Statements. We Find the Overcharges. You Get Paid.

Elevated Exposure

You pay unless we recover

Overcharges hide in merchant fees and vendor statements you never reconcile.

Request Diagnostic Audit (737) 510-6116

Engagement Dossier

Flat FeeContingency-based (30% of recovery)

TimelineAudit completed in 5–10 business days. Recovery begins immediately.

Response SLA5–10 business days

CoverageAustin & Travis County

Framework Alignment

InterchangeMerchant Fee Analysis
Vendor ContractsBilling Reconciliation
Statement AuditOvercharge Recovery

The Exposure

Your merchant processing statements are a maze of fees, rates, and surcharges that nobody on your team understands. You're almost certainly overpaying—most businesses are—but you don't know by how much or what to do about it. Meanwhile, your processor is quietly profiting from rate increases, hidden fees, and billing errors you'll never catch.

Interchange padding, junk fees, and billing errors accumulate month over month. Contingency-based — no recovery, no fee.

Bureau Response

We perform a line-by-line forensic audit of your merchant processing statements, identify every overcharge, hidden fee, and billing error, then recover the money owed to you. No upfront cost. We only get paid when you get paid.

Capability Matrix

What the Bureau executes for you

Zero upfront cost—100% contingency-based

Line-by-line forensic analysis of every fee

Typical recovery of $5,000–$50,000

Ongoing rate monitoring to prevent future overcharges

Works with all processors (Square, Clover, Stripe, etc.)

Free audit even if no recovery is found

Escalation Path

Put Revenue Recovery in the Bureau's hands today.

Forward what you are dealing with. We scope it, quote a flat fee, and execute before the deadline closes.

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Priority Router

Urgency

Scope

Assigned TrackExpedited

Scoped and started ahead of your deadline.

Typical Response5–10 business days

Scope BasisSingle

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Mandate

Who this division serves

Restaurants and food service businesses processing $50K+ monthly

Retail businesses with high transaction volumes

E-commerce companies with complex processing arrangements

Bookkeepers and CPAs managing client merchant accounts

Multi-location businesses with inconsistent processing rates

Execution Sequence

How an engagement runs

01
Statement Collection
You provide 6–12 months of merchant processing statements. We accept statements from any processor in any format.
02
Forensic Audit
Our team analyzes every line item, fee, rate, and surcharge against current interchange rates and your contractual terms.
03
Recovery & Savings
We present our findings, recover identified overcharges, and implement rate corrections to prevent future overpayment.

Framework Alignment

Interchange

Merchant Fee Analysis

Vendor Contracts

Billing Reconciliation

Statement Audit

Overcharge Recovery

Confidential HandlingAustin & Travis CountyFlat-Fee ScopeVerified DeliveryFramework-Aligned

Field Brief

The full picture

Merchant processing fees are one of the largest expenses for retail, restaurant, and e-commerce businesses, yet they're also one of the least understood. The complexity of processing statements—with dozens of fee categories, tiered pricing, and constantly changing interchange rates—creates an environment where overcharges thrive.

Most businesses sign a processing agreement, see the money coming into their account, and never look at the detailed statement again. Processors count on this. Rate creep, fee additions, and billing errors accumulate over time, costing businesses thousands of dollars annually in unnecessary charges.

Our forensic audit examines every line item on your processing statements against current Visa/Mastercard interchange rates and your contractual terms. We identify where you're being overcharged, calculate the cumulative impact, and then recover those funds.

The contingency model means there's truly zero risk. If we don't find recoverable overcharges, you've lost nothing but a few minutes collecting your statements. If we do find overcharges—and we almost always do for businesses that haven't had an independent audit—you recover money that was rightfully yours.

Beyond the immediate recovery, the audit creates ongoing value. Corrected rates save money every month going forward, and the knowledge of what you should be paying makes you a more informed negotiator when processing agreements come up for renewal.

We audit statements for restaurants, retail, and e-commerce businesses based in Austin and across Travis County, alongside clients throughout Central Texas.

Intelligence Q&A

Questions we hear before the engagement

Direct Line

Get this handled before it costs you more.

Tell us what you are dealing with. We will scope it, quote a flat fee, and drive it to closure.

Request Diagnostic Audit (737) 510-6116