Answers for business owners who want lower card fees without switching processors.

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.

No. You keep your current processor. The work happens with the processor you already use.

Your Merchant Whisperer reviews it. Merchant Whisperer was started by Travis Gomez. See the About page.

Markup is the part of your card fees your processor sets. It sits on top of the network and card issuer costs that get passed through. Markup is the part that can be negotiated.

No. Interchange is set by the card networks. We look at the markup your processor adds on top.

Markup Mapping is our 4-step method: Map the markup, Read the risk, Price the leverage, Negotiate.

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.

Your effective rate, the split between fixed costs and markup that may be negotiable, estimated savings, and your top flags.

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.

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.

Living Out US, LLC, doing business as Merchant Whisperer. Your card statement will show MERCHANT WHISPERER.

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.