Monthly volume, transaction count, average ticket, fees, and your effective processing rate.
Merchant Processing Cost Audit
Know your real effective processing rate.
A free, confidential review for businesses processing approximately $50,000 or more per month, operating multiple locations, or handling thousands of card transactions.
FreeConfidential reviewPersonalized resultsNo obligation
Who this is for
A small fee can become a large expense.
A fixed transaction fee affects a $3 sale very differently from a $100 sale. For donut shops, bakeries, restaurants, retail stores, salons, and other businesses processing thousands of smaller transactions, the fixed fee can add up quickly.
$3 sale$0.23≈ 7.6%Using an illustrative 2.6% + $0.15 rate
$100 sale$2.752.75%Using an illustrative 2.6% + $0.15 rate
Illustrative example only. Actual fees depend on the provider, pricing plan, card mix, transaction method, custom pricing, and account activity. CiKe Solutions does not guarantee that changing providers will reduce costs.
Your personalized analysis
What your audit will show.
Percentage, fixed, monthly, software, account, card-present, and card-not-present costs.
Estimated alternatives, hardware investment, features, integrations, support, and contract terms.
Potential monthly and annual savings, first-year net savings, and hardware payback period.
Understand before you switch
A lower rate does not automatically make a better decision.
The evaluation also considers POS capabilities, multiple-location reporting, online ordering, employee permissions, gift cards, loyalty programs, deposits, funding speed, equipment compatibility, software integrations, customer support, contract length, and cancellation costs.
Estimated annual savings$10,000
Hardware investment−$2,000
Illustrative first-year net savings$8,000
Illustrative example only. The audit helps you understand the complete decision; it does not guarantee savings or recommend switching in every case.
How it works
A confidential review in four steps.
Qualify
Tell us about your business, volume, transaction activity, locations, and current provider.
Provide
If qualified, submit one recent complete processing statement through an approved secure method. Sensitive identifiers may be redacted.
Receive
We calculate your actual effective rate, current costs, and estimated alternatives.
Review
We explain what the numbers mean. There is no obligation to change providers.
Request your free audit
Start with a clearer picture.
The initial application asks for basic business and processing context. Exact financial numbers are not required in the first step.
Never submit card numbers, customer payment information, banking passwords, tax IDs, merchant IDs, or authentication credentials. Sensitive statements should only be submitted through an approved secure method.
Next step
Complete the qualification application.
CiKe uses the approved external application flow for initial interest and follow-up. Provider compensation, if applicable, will be disclosed so you can evaluate the complete decision.
Request My Free Cost Audit ↗Information is used to qualify, prepare, and discuss your audit. It is not sold.
Frequently asked questions
Understand before you decide.
Is the audit really free?
Yes. There is no charge for the initial audit and no obligation to switch providers.
Do you guarantee savings?
No. Potential savings depend on volume, card mix, payment methods, existing pricing, hardware, software, and provider terms.
Will you always recommend switching?
No. Staying with the current provider may be the better decision when the complete costs and features are considered.
Do you receive provider compensation?
The consultant may receive referral or ongoing compensation if a merchant chooses a recommended provider. Relevant costs will be identified for evaluation.