Merchant Companies Are Lying to You
You could be overpaying $300–$1,000/month in hidden fees. We prove it.
Market Analysis Data
$1,240.00/mo
Average Savings for Our Clients
Consulting
Expert
Advocacy
100%
Reduce Credit Card Processing Fees with a Statement Audit
How to identify and eliminate unnecessary merchant service fees.
Educational Resources
Vetted Partner Network
verified Independent Merchant Advocacy
We help you understand the fees you're paying.
Merchant services providers thrive on your confusion. As a media and consulting firm, we don't sell you processing—we sell you clarity.
- check_circle Independent Analysis (No bias towards one provider)
- check_circle Direct negotiation support with your current processor
Real-World Savings.
Real businesses. Real savings. Real proof.
Ridgeline Meats Co.
Retail & E-commerce
Annual Savings
$21,600
Crestview Bistro Group
Hospitality Group
Annual Savings
$11,160
Pinnacle Cloud Corp.
B2B SaaS
Annual Savings
$45,000+
Merchant Services Insights
Expert insights into the merchant services industry.
The Merchant Statement Trap (Part 1)
Why you're overpaying and how processors hide the truth.
The Merchant Statement Trap (Part 2)
Hidden fees explained and how to identify them on your bill.
The Merchant Statement Trap (Part 3)
How to fight back and secure the rates your business deserves.
Meet the Founders & Your Advocates
Yovanny & Laury, Founders of Merchant True Podcast
Merchant TRUE is the #1 resource for business owners who want the truth about credit card processing. We cut through everything. Every week, we break down real merchant statements, expose hidden fees, and teach you exactly how to lower your processing costs.
What you’ll learn in our Merchant True Podcast:
- check_circle How to read and understand your merchant statement
- check_circle Interchange-plus vs. tiered pricing (what they don’t tell you)
- check_circle Hidden fees—and how to eliminate them
- check_circle How to negotiate lower rates with processors
- check_circle Real client savings and case studies
"If you accept credit cards in your business, this is something you need to understand."
Ready for your own clarity?
Let's audit your statement together.
Get Your Free Expert Merchant Review
Choose how you'd like to start your analysis.
Free Merchant Statement Audit
Upload your recent statement for an immediate deep-dive audit by our architects.
Schedule Merchant Services Consulting
Book a 15-minute consultation directly via Calendly to discuss your current situation.
Next availability: Today at 2:00 PM
AES-256 Analysis Vault
1-Hour Expert Response
100% Conflict-Free Advocacy
Frequently Asked Questions
Common questions about our consulting model.
Are you a merchant services provider?
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No. We are independent media and consulting. We don't process payments. We evaluate your setup and connect you with top processors at wholesale rates.
Are my uploaded documents safe?
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Yes. Your security is our priority. All uploaded statements are stored in **Supabase's encrypted enterprise-grade cloud storage**. We use strict access controls to ensure your sensitive financial data is only accessible to our authorized analysts during your audit.
How do you make money if you don't process?
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We earn consulting fees for audits or referral fees from our vetted partner network. Our goal is always the lowest possible rate for your business.
Can you help if I'm under contract?
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Yes. We specialize in identifying contract exit strategies or negotiating buyouts with new recommended partners.