Built for local and service businesses
Stop paying to get paid.
Most businesses hand 2.5% to 3.5% of every card sale to their processor. We set you up on a fully compliant dual-pricing program so that money stays in your business, and we show you exactly where it was going.
No obligation · Takes 60 seconds
MAIN STREET AUTO
Oil change + inspection
YOU KEEP $120.00 · NOT $116.40
$22K–$31K
Typical yearly savings for a merchant processing $60K–$90K a month in cards*
Since 1985
Leadership roots in merchant services through MBCard
St. Augustine, FL
Headquartered in Northeast Florida, serving businesses nationwide
The leak
Where your hard-earned money is going
You're working hard, jobs are getting done, and yet the bank account never looks as full as it should. Every time a customer taps or swipes, a percentage quietly disappears in fees. Over a year, that adds up to tens of thousands of dollars.
The quiet drain
2.5–3.5%
of every card sale leaving your business, invoice after invoice, swipe after swipe, month after month.
How it works
Three steps from paying fees to keeping your margin
STEP 1
We read your statement
Send us one recent processing statement. We break down every fee line in plain English and show you what you're really paying.
STEP 2
We set up dual pricing
We match you with the right processor, program your terminal or POS to show a cash price and a card price, and supply the required signage.
STEP 3
You keep your margin
Customers choose how to pay. Your processor handles support from day one, and you stop losing a slice of every card sale.
Savings estimate
What are card fees costing you each year?
Total card volume on your statement for one month.
Total fees ÷ total card sales. Most small businesses land between 2.5% and 3.5%.
Estimated fees you could keep each year
$27,000
That's $2,250 a month back in your business.
Confirm it with a free review*Estimate only. Your actual savings depend on your statement, card mix and program setup.
Compliance
Dual pricing is not surcharging
The difference matters to the card brands and to state law. We build every program on dual pricing, which shows customers two clear prices up front.
Dual pricing
- Every item shows a cash price and a card price.
- The customer sees both before they pay and chooses.
- Set up with the proper signage and receipt formatting.
- We confirm the program fits your state and card-brand rules before you go live.
Surcharging
- A fee added on top at checkout.
- Restricted or capped in some states and for debit cards.
- Requires card-brand registration and specific disclosures.
- Feels like a penalty to customers.
Who we serve
Built for businesses that take a lot of cards
Leadership
A team that has built and run payment companies for decades
Paul Mulhern
Industry leader
More than 41 years building and scaling successful Independent Sales Organizations (ISOs) in credit card processing.
John Richards
National sales
National sales leader with 40+ years driving recurring revenue and scaling dual-pricing sales teams.
Roger Sullivan
Founder
Entrepreneur with 35 years building and exiting companies. Leads an agnostic processing ISO focused on eliminating processing costs for merchants.
Amy Sullivan
Operations
Operations executive with 35+ years of entrepreneurial experience building the systems that let companies run efficiently.
Jim Sabellico
Brand & go-to-market
Brand and go-to-market strategist with 12+ years helping companies scale through data-driven, multi-channel marketing.
Merchant FAQ
Questions business owners ask us
Will my customers be upset?
Very rarely. Customers already see cash and card prices at gas stations. Both prices are posted up front, the customer chooses, and nothing is added as a surprise at checkout.
Is dual pricing legal?
Yes, when it is set up correctly. Dual pricing shows two prices before the sale, which is treated differently from a surcharge. We set up signage and receipts to card-brand rules and check your state's requirements before you go live.
It feels wrong to pass fees on to my customers. Is it?
That's a fair concern, and it's why we use dual pricing. Customers see both prices up front and choose how to pay. Nothing is hidden or added at the register, and the people who pay cash or debit-as-cash pay the lower price.
Will this hurt my sales?
For most businesses, no. Card customers are used to seeing cash and card prices, and the difference is small on a typical ticket. We'll walk you through how other businesses in your industry handled the switch.
How long does setup take?
Usually a few days to a couple of weeks, depending on your equipment and processor. We handle the paperwork, programming and signage.
Do I need new equipment?
Often not. Many terminals and POS systems support dual pricing with a settings change. If yours doesn't, we'll show you your options before you commit to anything.
Am I locked into a long contract?
We'll walk you through the terms of any program before you sign, in plain English, so you know exactly what you're agreeing to.
Who do I call when something goes wrong?
Your processor's support team handles day-to-day service, statements and equipment. We stay in your corner as your advocate if anything needs to be escalated.
What does the savings review cost?
Nothing. Send us a recent statement and we'll show you what you're paying and what you'd keep. No obligation.
Free savings review
Let us show you exactly where your money is going
Tell us a little about your business. A member of our team will reach out to review your statement with you, line by line.