For business owners who take cards and want to keep their processor.
See your bill the way your processor does and know instantly where and how to push your rates lower.
Merchant Whisperer helps you lower card fees with the processor you already use. Take the 2-minute quiz, see your estimated savings, and get a free one-page fee recap.
Free 2-minute quiz. You keep your current processor.
Your estimate comes from your quiz answers. Your statement sets the real number. Led by founder Travis Gomez. Who we are.
Who is this for?
- US businesses that accept credit and debit cards.
- Owners who want lower fees but do not want to switch processors, change equipment or sign new contracts.
- Anyone who has looked at a statement and could not tell what they were paying for.
Where does the money go on your statement?
Part of every card fee is a fixed cost set by the card networks. The rest is markup set by your processor. If your markup is higher than it needs to be, that is money you could keep each month.
Illustrative diagram, not to scale and not a client result. The blue part is the markup, and it is the part that may be negotiable.
How does Markup Mapping lower your rate?
- 1. Map the markup. Separate the fixed card network costs from your processor's markup, line by line.
- 2. Read the risk. Check chargebacks, reserves and account health, and see how your processor's underwriting likely reads your account, before asking for anything.
- 3. Price the leverage. See what your volume and history are worth to your processor, so you know how much room you have to ask.
- 4. Negotiate. Ask for the right number, the right way, with the processor you already have. Your Merchant Whisperer can help you plan the ask.
No one can promise a processor won't review an account. Markup Mapping is built to lower the chance. Read the full method.
Free 2-minute quiz. You keep your current processor.
What does it cost?
Start free. Pay only if you want more help.
Free one-page fee recap
$0
Your effective rate, fixed costs vs. markup, estimated savings, and your top flags. No card needed.
Full Markup Mapping report
$29.95
Your Markup Map, your Risk Map, your leverage range, and what to say to your processor.
Find it or it's free.
Consult with your Merchant Whisperer
$300
Everything included:
- The full Markup Mapping report: your Markup Map, your Risk Map, your leverage range, and what to ask for
- Your free one-page fee recap
- A 1-on-1 call with your Merchant Whisperer to walk through your maps
- Build your negotiation plan together
The consult includes the full report, so you do not need to buy the report first. 7-day refund on the $300.
Find it or it's free.
If your full report doesn't flag at least one specific fee or markup on your statement worth raising with your processor, we'll refund your $29.95.
Want help with the call? Book the consult. The full report is included. See pricing.
Free 2-minute quiz. You keep your current processor.
Who is behind Merchant Whisperer?
Travis Gomez, Founder
Travis has spent more than 25 years in payments. He has worked in sales, underwriting and risk management. A longtime consulting client called him the Merchant Whisperer because Travis always gave him clear, practical answers about payments.
One online fitness company worked with Travis to cut fraud by 90% and bring chargebacks under 0.5%.
Merchant Whisperer is consulting only. We work with the processor you already have. There is no pressure to switch and no salesperson.
When you work with us, your Merchant Whisperer reads your statement and helps you plan the ask.
Questions owners ask
What is Merchant Whisperer?
Merchant Whisperer is a consultancy that helps businesses lower card processing fees with the processor they already use. We are not a processor, and we do not ask you to switch.
Do I have to switch processors?
No. You keep your current processor. The work happens with the processor you already use.
What is Markup Mapping?
Markup Mapping is our 4-step method: Map the markup, Read the risk, Price the leverage, Negotiate.
How is my savings estimate figured?
It is an estimate from your quiz answers about your card volume and current rate. Your statement sets the real number. No specific rate cut is promised.
What does the $29.95 report cost if you find nothing?
Nothing. Find it or it's free. If your full report doesn't flag at least one specific fee or markup on your statement worth raising with your processor, we'll refund your $29.95.
Can I get a refund on the consult?
Yes. Tell us within 7 days of your call and we'll refund your $300. Missed calls are not refunded unless you rescheduled before the call time. The full report is yours to keep.
Is my statement safe?
Upload one statement through our secure form. Never send card numbers or processor passwords. We never sell your info. Statements are deleted 90 days after upload.
Ready to see your numbers?
It takes 2 minutes. If your pricing is already fair, your recap will say so.
Free 2-minute quiz. You keep your current processor.
Merchant Whisperer is a trade name of Living Out US, LLC | 1914 Thomes Avenue, Suite 2, Cheyenne, WY 82001 | (307) 509-0701 | [email protected]
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