Miami, FL
Most small businesses pay 2.5%–4.5% on every card transaction. Many don't realize they're being overcharged because the statements are designed to be unreadable.
RateClarity decodes your statement, finds the overcharges, and tells you exactly what to do about them.
Why businesses overpay
Interchange fees, network assessments, processing fees, PCI compliance charges. Each one looks legitimate. Most are marked up.
Card-present vs. card-not-present. Rewards vs. standard. A single miscoded transaction drops you to a higher rate — and most processors don't warn you.
Equipment lease fees, monthly minimums, statement fees, batch fees. Most merchants sign contracts and never track what they're actually paying.
Processors change rates multiple times a year. The rate you signed up for isn't the rate you're paying two years later. Most merchants never notice.
"Constantly changing regulations and cryptic statements add to the confusion — and unless you are an expert in merchant statement lingo, even the most seasoned CPA will be confused — by design."— Florida Institute of CPAs
The RateClarity approach
We don't sell processing. We sell transparency. Tell us which processor you use, send us your last statement, and we'll tell you exactly what you're paying for and where you're overpaying.
We review your current processing setup — rates, fees, equipment terms, software — and translate everything into plain English. You get a full breakdown of what you're paying, why, and where you're being overcharged.
We help you switch processors, configure Clover or Toast properly, set up dual pricing or cash discount, implement online ordering, or restructure your payment setup. Done right the first time.
Ongoing oversight: statement reviews each month, chargeback help, menu and item updates in your POS, payroll and payment troubleshooting, fee monitoring. One call handles it all.
Who we serve
We work with businesses doing $30k–$250k/month in card volume. If you're processing less than that, we probably won't save you enough to make it worth it. If you're processing more, you'll wish you'd found us sooner.
Our mission
The payment processing industry runs on confusion. We think that's wrong. RateClarity exists to make financial clarity accessible to every small business owner — not just the ones with dedicated finance teams.
We find the fees your processor hopes you ignore.