A Written Second Opinion on Your Payment Processing
Send a recent merchant statement to get started. If you have three recent months available, we can review those for a more complete picture. We review your rates, fees, equipment, and setup, then give you the findings in writing: your current setup may be reasonable, specific fees may deserve clarification, or a deeper comparison may be worth exploring. Free, no obligation.
We work best with businesses processing roughly $15,000 a month or more who want a dependable payment setup—not a complicated one.
See What a Statement Review Produces
Every review ends with clear written findings—not a sales pitch.
What's Included
A clear summary of your processing volume, charges, and effective rate.
Itemized fee findings with explanations of what deserves attention.
Identification of fees that may be unnecessary or avoidable, when applicable.
Questions or concerns that may require clarification.
A written conclusion based on your actual statement.
Confirmation when keeping your current provider is the best decision.
"I've worked with Lindsey and iTrust Merchant across several of my businesses for over four years, and I can honestly say they've made a huge difference. … He took the time to understand my businesses, found the right processing solutions, and has continued to support me whenever I've needed help."
Sebastian S.
Multi-Business Owner
How It Works
Three steps. Sixty seconds to start.
Answer four quick questions.
Tell us your monthly card volume, business type, current processor, and what prompted you to look. This helps determine whether the current review program fits your business before asking for anything else.
Send a recent statement.
After you submit the form, you'll receive instructions by email for providing your merchant statement. One complete recent monthly statement is enough to get started. If you have three recent months available, send all three for a more complete review. Include every page.
Receive your written review.
The review explains the processing charges, calculates the effective rate, and provides the findings in writing.
Three possible outcomes
Your pricing holds up.
If your current pricing is competitive, the review will show the numbers supporting that conclusion.
Specific fee lines stand out.
The review will identify the relevant fee lines and explain what they represent.
A different pricing structure may be worth comparing.
If you request a proposal, iTrust Merchant will show its proposed pricing beside your current pricing in writing so you can compare them.
Who It's For
Is this review built for your business?
The review program is designed for established small and growing businesses processing roughly $15,000 or more per month in card payments. If your business falls outside that profile, we'll tell you upfront — before asking for a statement, and without putting you through a sales process.
The current review program is designed for small and growing businesses that:
We'll tell you upfront when we're not the right fit.
Need a complex POS system?
iTrust Merchant focuses on straightforward payment processing. If your business needs a full restaurant, grocery, or hospitality POS — kitchen printers, multi-register management, extensive on-site installation, or custom POS software — we're likely not the right fit.
Only looking for the lowest advertised rate?
Someone will almost always advertise a lower introductory rate. iTrust Merchant focuses on clear written pricing and processing relationships intended to last, rather than a continuous lowest-rate auction.
What you can expect
Clear pricing context
I'll explain the fees and pricing structure behind any rate I show you.
Straight answers about equipment and software
If hardware, software, or other costs are involved, I'll explain the terms before you make a decision.
No pressure to switch
The review may show that your current provider is already a reasonable fit. If so, I'll tell you that.
Written recommendations
You'll get the key findings and next steps in writing so you can review them before deciding what to do.
Our Promises
We don't ask you to trust us. We put it in writing.
Complete written pricing before you sign anything.
Before you sign, you receive written pricing that separates iTrust Merchant's charges from interchange, card-network fees, and other pass-through costs. Any change to iTrust Merchant's own charges will be disclosed in writing. Pass-through costs may change when the organizations that set them change them.
You receive the findings in writing either way.
Whether or not iTrust Merchant prepares a proposal, the written review is yours. If your current pricing is competitive, the review will say so.
Send a statement. Get the numbers in writing.
Answer a few questions about your business and request your written merchant statement review. You'll receive clear information about your current processing costs without being required to switch providers.
Start My Free ReviewFAQ
Common questions
How We Handle Your Statement
A merchant statement is a sensitive business document. Before you send one, here is exactly how yours is handled:
- Your statement is used to prepare the review you requested — and, if you ask for one, a processing proposal.
- It is not sold, and it is not shared with third parties for their own marketing.
- It is sent to a processing partner only if you choose to submit an application or authorize that step yourself.
- When your statement is no longer needed, it is deleted or securely disposed of, subject to standard recordkeeping requirements.
Nothing sensitive is required to get the review. A recent statement with your bank account number blacked out is enough. Full business and ownership details are only needed if you decide to apply for a new processing account — and that step is entirely your choice, after the review.
- Please don't send passwords, online banking credentials, or Social Security numbers. They aren't needed for the review.
Start your free statement review
First, tell us enough to determine whether the current review program fits your business.