Review
We determine whether your current credit card processing pricing is fair and whether a worthwhile savings opportunity exists.
Credit card processing advocacy for business owners
Your credit card processor protects its profits. We help you keep more of yours.
Send us your statement for a free, honest analysis. If you are overpaying, we negotiate directly with your current processor to lower your fees. If your pricing is already strong, we will tell you. No phone call required.
- Two decades of payment experience
- Free initial review
- Processor contact requires your permission
Easy for the merchant
No phone call required.
Send a recent credit card processing statement for a free analysis and receive the findings in writing. Continue by email or text, or schedule a call only if you prefer one.
Credibility you can verify
Before you send a statement, know exactly what you can expect.
Nothing moves beyond the free review unless you decide it should.
- 20 years
- Payment-processing experience behind every review.
- A written answer
- You learn whether your pricing is strong or worth challenging.
- Permission first
- We do not contact your processor without separate written authorization.
- Encrypted intake
- Your statement is submitted through a dedicated Cognito Forms intake with encrypted entry data enabled.
The merchant's side of the table
You may be overpaying without realizing it.
Credit card processing statements are dense, inconsistent, and easy to ignore when you are busy running a business. That is how unnecessary costs can continue unnoticed. We give you a clear answer and, when action is warranted, handle the processor conversation for you.
Like your QuickBooks connection, portal, terminal, deposit schedule, and current processor? Great. Keep them. Our first job is to make sure the services you already use are priced fairly so more of the money you earn stays in your business.
Expert review, handled for you
You should not have to decode your processing statement. That is our job.
SPA reviews the account, tells you honestly whether the pricing is fair, and handles the processor conversation when it is not. You receive the answer and the advocacy without having to become a payments expert yourself.
Why not just upload the statement to AI?
AI can summarize a statement. It cannot advocate for your business.
Analysis is only the beginning. The real value is knowing whether action is worthwhile, taking that action, and staying accountable for the result.
- AI analysis
- Useful for explaining what appears on the page.
- SPA advocacy
- We apply real-world payment experience, work directly with your processor, and monitor what happens next.
Real advocacy creates accountability.
Processors know that a merchant with experienced representation has informed options. We press for fairer pricing, document the result, and keep the business owner in control.
Review. Negotiate. Monitor.
We find the credit card processing costs you may not see. Then we go after the savings.
One straightforward process, handled on your behalf, with the processor you already use.
Negotiate
With your permission, we work directly with your current processor to pursue lower pricing without changing your equipment, POS system, or daily operations.
Monitor
Under the agreed monitoring terms, we compare future statements and watch for new fees or rate increases that could quietly erase the savings.
An honest answer either way
No savings to find? That is good news too.
If your pricing is already strong, we will tell you and stop there. You gain confidence that your processing costs are in good shape.
Experience on your side
Your processor has experts. You should too.
Sica Payment Advisors brings two decades of payment-processing experience, including work across major processing organizations, to each review. We understand how processors structure pricing, protect margins, and introduce changes a busy merchant may never notice.
That knowledge now works for the merchant. The purpose is simple: protect the business owner's margin without adding another processing sales pitch to the day.
Learn about Sica Payment AdvisorsStraight answers
Everything you need to know before sending a statement.
Is the statement analysis really free?
Yes. There is no charge to review the statement and determine whether a real savings opportunity exists.
What happens if you find no savings?
We will tell you plainly that your current pricing is already strong and stop there, giving you useful peace of mind.
Do I have to schedule a phone call?
No. You can receive the initial analysis by email or text. A scheduled call is available only if you prefer one.
Why not just upload my statement to AI?
AI can help explain what appears on a statement. It cannot represent your business, negotiate with your processor, or remain accountable for the result. SPA can.
What if my processor will not cooperate?
We will explain the available options privately. You remain in control, and no change happens without your approval.
Payment cost advocacy
Start with the service that matches your concern.
An advocate in your corner
Find out if you are overpaying for credit card processing.
Send one recent statement and receive an honest written analysis. No phone call required.