Services
Payments
Merchant processing reviewed like any other technology line item.
- Statement-level
- Line-by-line audits, not headline rates
- Integrated
- Sourced to work with your PM, DMS, or scheduling
- $0
- Advisor fee to you
Why this is different
Why payment processing is different
The statement is designed to confuse
Interchange, markups, and pass-through fees are tangled on purpose. We untangle them.
'Rates' aren't the rate
The advertised number rarely matches your effective cost. We compute what you actually pay per dollar.
Nobody reviews it
Processing gets set up once and forgotten for a decade. It's often the fastest savings in the whole stack.
It belongs in the stack review
Payments touch your phones, your software, and your compliance. We review it with the rest, not in isolation.
What we help with
The core problem
Payments is the technology bill hidden inside your revenue.
It rarely gets treated like the rest of the tech stack — so processors quietly reprice, add junk fees, and lock in terminals that don't talk to your software. We audit the statement, benchmark against comparable merchants, and bring back real quotes. If your current processor is competitive, we say so.
Processing fee audits and statement reviews
Line-by-line reads of what you're actually paying, with interchange and assessment breakdowns.
Modern payment technology
For front desk, service counters, and mobile checkout.
Integrated payments
With your existing scheduling, PM, or DMS software, so staff don't rekey.
PCI compliance guidance
Practical steps to stay in scope and out of the penalty column.
Contract and equipment review
So you don't get stuck renting the same terminal three times over.
What a review turns up
What a statement audit usually turns up
Merchant statements are designed to be hard to read. A line-by-line audit shows where the rate really lands after interchange, assessments, and the fees that only appear in the fine print.
Sample review
Payments findings
Effective processing rate
Above marketPCI compliance posture
ReviewedHidden monthly and batch fees
FoundIntegration with scheduling / PM / DMS
StreamlinedTerminal and gateway contracts
Locked below-market
Advisor fee to you
$0.00
Illustrative. Actual findings depend on volume, ticket size, and card mix.
Included with your free Technology Assessment
Payments is part of your free Technology Assessment.
We audit statements and benchmark rates at no cost. Because supplier-paid fees are standard across processors, the recommendation reflects fit and total cost — not the biggest bounty.
Need hands-on implementation, migration, or CX build-out?
Explore Technical Advisory & Setup →Billed separately from and independent of vendor recommendations.
How RFA approaches it
- 01
Audit the statement
Line by line: effective rate, interchange, assessments, and every fee in the fine print.
- 02
Benchmark and quote
Real quotes from processors sized to your volume, ticket size, and integration needs.
- 03
Switch or stay
If your current processor is competitive, we say so. If not, we handle the move end to end.
Technology assessment
Read your statement the way processors hope you never do.
Line-by-line audits, benchmarked rates, and honest guidance on whether to switch or stay.