For business owners who want a lower card rate from the processor they already use.

Markup Mapping: how we lower your rate without switching processors.

Markup Mapping finds the part of your fees your processor sets, checks how your account looks to them, and shows you what to ask for. Same processor. Smaller bill.

See what you could save

Free 2-minute quiz. You keep your current processor.

What is Markup Mapping?

Markup Mapping is a 4-step method to lower card processing fees with your current processor: Map the markup, Read the risk, Price the leverage, Negotiate.

What is processor markup?

Every card fee has two parts. Interchange and network fees are set by the card networks and card issuers. They are passed through to you. Markup is what your processor adds on top. Markup is the part that can be negotiated.

Card network and issuer costs (fixed)
Processor markup

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.

Is interchange the same as markup?

No. Interchange is set by the card networks, and we do not lower it. Markup is set by your processor. That is where Markup Mapping looks.

The 4 steps

  1. 1. Map the markup. Separate the fixed card network costs from your processor's markup, line by line.
  2. 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. 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. 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.

See what you could save

Free 2-minute quiz. You keep your current processor.

How do I negotiate with my card processor?

Go in with facts. Know your effective rate, which lines are markup, and how your account looks to underwriting. Ask for a specific number on specific lines. Your full report gives you the list and what to say.

What do you get?

  • Free one-page fee recap: your effective rate, fixed costs vs. markup, estimated savings, and your top flags.
  • Full report ($29.95): your Markup Map, your Risk Map, your leverage range, and DIY negotiation advice. Find it or it's free.
  • Consult with your Merchant Whisperer ($300): one offer with 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. Refund within 7 days of the call.

Estimates only. No specific rate cut is promised. If your pricing is already fair, your recap will say so.

Want to see your own markup?

See what you could save

Free 2-minute quiz. You keep your current processor.