EXPERT ACCOUNT AUDITS
Protect Your Margins
Stop the quiet leak of hidden interchange markups and inflated processor surcharges. We perform forensic merchant audits to recover your bottom-line capital without operational disruption.
Guaranteed confidential · Zero obligation · 48-hr turnaround
MERCHANT STATEMENT REALITY
The Hidden Tax
On Your Profits
Most payment processors build statement architectures designed to confuse rather than clarify. Through tiered downgrades, ambiguous basis point spreads, and synthetic surcharges, hundreds of thousands in earned revenue silently leave your accounts every quarter.
- Arbitrary 'non-qualified' fee bucket downgrades that double processing costs
- Inflated basis point markups disguised behind complex interchange pass-through lines
- Recurring monthly statement, PCI non-compliance, and batch settlement surcharges
- Unannounced mid-contract margin increases buried within 40-page monthly PDF digests
OUR CORE METHODOLOGY
Expert Strategy.
Clear Results.
A structured three-phase roadmap designed to systematically eliminate processor markups, enforce contract compliance, and protect bottom-line margin.
PHASE 01
Account Auditing
Forensic statement analysis uncovering hidden basis-point inflations, padded interchange assessments, and junk processing surcharges.
- Complete line-item margin breakdown
- Interchange downgrades diagnosis
- Contract clause liability review
PHASE 02
Rate Negotiation
Direct, executive-level negotiation with processors to re-index pricing to true wholesale interchange-plus with zero software disruptions.
- Direct processor leverage application
- Elimination of proprietary markups
- No hardware or gateway migration needed
PHASE 03
Ongoing Optimization
Continuous monthly surveillance and compliance auditing to stop rate creep, regulatory additions, and unauthorized card-brand markups before they scale.
- Automated monthly rate creep detection
- Quarterly audit reporting & scorecards
- Ongoing card-brand compliance tracking
MEASURABLE ROI & FEE OPTIMIZATION
See The Difference
Traditional merchant accounts quietly drain operating margins through hidden markup tiers, non-qualifying interchange penalties, and bloated gateway assessments. We re-engineer your interchange pricing structure to unlock institutional-grade volume rates.
- Direct Interchange-Plus billing with zero proprietary spreads
- Elimination of statement fees, PCI non-compliance fines, and monthly minimums
- Continuous quarterly audit protection ensuring rate lock longevity
Free 15-minute audit. No processor switching required.
Market Average
- Hidden tiered surcharges & mid-qual markups
- $450+ annual PCI non-validation penalty fees
- Locked contracts with steep early cancellation
Teds Consulting
- Direct wholesale cost pass-through pricing
- 100% waiver on gateway markups & account junk fees
- Dedicated quarterly interchange audit & defense
VERIFIED IMPACT & PEACE OF MIND
Trusted By Founders
Recovering <span style="color: #C5A059; font-weight: 700;">$42,000</span> in hidden interchange fees transformed our cash runway. The complete peace of mind knowing our rates are audited monthly is invaluable.
We recouped <span style="color: #C5A059; font-weight: 700;">$18,400</span> annually without switching payment processors. Teds Consulting eliminated processing friction entirely.
Our monthly processing fees dropped immediately, returning <span style="color: #C5A059; font-weight: 700;">$29,500</span> straight to our bottom line. True financial clarity for our entire executive team.
Saved over <span style="color: #C5A059; font-weight: 700;">$36,000</span> in unannounced markup fees this year alone. It feels incredible having an expert advocate protecting our margins.
NO SAVINGS, NO FEE
Secure Your Margins
Zero upfront capital, zero disruption to your active processing flow. If our bespoke audit does not uncover and secure verifiable fee reductions for your enterprise, you pay nothing.
100% Risk-Free Guarantee • Zero Terminal Changes • Full Confidentiality
Independent financial advisory specializing in merchant interchange fee analysis, payment processor restructuring, and contractual rate reduction for established commercial enterprises.
Fiduciary Commitment: 100% contingency-based audit practice. We accept zero processor incentives or referral commissions.
DIRECT ADVISORY
One Financial Square, Suite 2800
New York, NY 10005
[email protected]
Direct: +1 (800) 482-9130
Regulatory Disclosure: Teds Consulting operates as an independent commercial fee audit and optimization consultancy. We are neither a registered payment facilitator, issuing bank, nor card brand network. Historical savings and recovery figures are indicative of past audit performance across varying volume profiles and do not constitute an explicit future performance guarantee. All corporate consultations are subject to mutual non-disclosure and executed engagement agreements.
© 2026 Teds Consulting. All rights reserved. Registered Commercial Advisory Practice.