Switch your processing. Probably keep your POS.
Almost everything you’re overpaying sits in the processing underneath your POS — not the POS itself. Those are two different decisions, and nobody ever tells you that.
It’s rarely the software. It’s the bill.
The rate crept
You signed at one number. Nobody told you when it changed. It usually changes.
Fees you can’t explain
Statement, batch, PCI, gateway, “network access.” Small, monthly, permanent.
An equipment lease
Paying $80 a month for a terminal worth $300, on a contract you can’t exit.
PCI non-compliance
A monthly penalty for paperwork nobody ever helped you finish.
Downgrades
Transactions billed at a worse tier than you were sold. Buried in the detail.
The rep vanished
Attentive until signature. Unreachable ever since.
You’ve outgrown it
Your volume tripled and your rate never reflected it. It should have.
You just don’t know
Which is the most common answer, and a completely fair one.
Can you keep your POS and change the processing?
Sometimes yes, sometimes no — and it depends entirely on what you’re running. This is the first thing we check, because it decides whether this is a small job or a real project.
Square, Toast, and similar
Some platforms build the processing into the product. The POS is the payments company. There’s no swapping the rate underneath — changing one means changing both.
If that’s you, the honest question becomes whether the whole platform still fits. Sometimes it does. We’ll say so.
Clover and bank-sold systems
Usually sold through a bank or an ISO, and often tied to the merchant account it was set up under. Sometimes it can move, sometimes it genuinely can’t. Depends who provisioned it and on what terms.
Anyone who answers this without seeing your paperwork is guessing.
Terminals & semi-integrated setups
A standalone terminal, or a POS that talks to a processor rather than being one, can generally have the processing swapped underneath it. Your staff notice nothing. Your bill changes.
This is the best outcome, and it’s more common than people expect.
Because the answer decides everything, and because most people selling you something have a reason not to raise it. If your POS is locked, we’ll tell you — even when that means there’s nothing here for us. If it’s free to move, you can cut your biggest bill without your team learning a single new screen.
What we go through with you.
On a call, with your statement in front of you. Ten minutes. Nothing to send, nothing to upload — and no obligation at the end of it.
- Your true effective rate — total fees divided by total volume
- Every recurring line: statement, batch, PCI, gateway, monthly minimums
- Equipment leases, and what they’re really costing you
- Downgrades — transactions billed worse than you were sold
- Your contract: term, auto-renewal, and any early termination fee
- Whether your POS is tied to your processor, or free to move
- What we’d actually do about it — and what it’d save, as a range
Statement review
Your real number, and where it’s going.
Lock-in check
Can the POS stay? Usually the deciding question.
Contract check
Term, renewal date, exit cost. No surprises.
Application & underwriting
We handle the paperwork. You sign once.
Account setup
Deposits, descriptors, and reporting configured properly.
Cutover
Timed so it never lands in your busy hour.
First statement together
We check the new one says what we promised.
Step 7 is the one nobody else does.
Sometimes you shouldn’t switch yet.
You’re mid-contract
An early termination fee can wipe out a year of savings. We’ll work out whether it’s worth eating — and if it isn’t, we’ll diarize your renewal window and come back then.
Your rate is already good
It happens. If you’re on competitive pricing, you’ll hear that from us, and we’ll make nothing on you. You’ll still leave knowing your numbers.
The timing is wrong
Nobody changes their payment setup the week before their busiest season. We’ll wait. The savings will still be there in February.
And if the POS does need to go?
Sometimes it genuinely does — the inventory can’t cope, the hardware’s dying, nobody can train new staff on it. That’s a real project, and it deserves honesty about what actually survives the move.
Whether your products, customer records, gift card balances, and sales history can transfer depends on your
current provider, the exports they make available, and what the new platform can import.
Some providers make this easy. Some make it deliberately hard. Historical transactions often can’t come across at all.
We check before you commit, and we’ll tell you plainly what won’t make the trip. Anyone guaranteeing a clean
migration without seeing your current system first is guessing.
Products & catalog
With a clean export, product data typically imports well — usually the biggest time saver.
Customer records
Contact details usually transfer. Purchase history frequently doesn’t.
Gift cards & history
Outstanding balances are a real liability and need a plan. Sales history often stays behind.
Worth repeating: this is the less common outcome. Most merchants keep what they have and just fix the bill underneath. See what we’d recommend for your kind of business →
Ten minutes. One number. No obligation.
Bring a recent statement. We’ll tell you what you’re really paying, whether your POS can stay, and whether it’s worth doing anything at all.
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