"Our credit card processing statements are incredibly simple, showing a flat 2.7% fee on all sales. But our accountant says we have no way of knowing how much the bank is actually charging us behind the scenes, and our processing costs are rising every month."
Your simple "flat-rate" statement is a smoke screen. Processors bundle everything into a single percentage to hide their massive markups. By withholding the raw data, they prevent you from seeing that a huge portion of your sales (like debit cards) only cost them a few cents to process, allowing them to pocket the difference.
Flat-rate aggregators exploit merchants by withholding detailed interchange reporting and card-brand assessment tables. This structural lack of transparency blocks merchants from identifying card-mix distributions and analyzing why their high-value commercial cards are incurring downgrade penalties.
We move your portfolio to direct, transparent Interchange-Plus (IC+) contracts. We provide complete, raw audit pass-through of all card-brand assessments, meaning you see the exact cost of every transaction. This exposes hidden markups and returns the direct savings of the Durbin Amendment straight to your balance sheet.
Flat-rate statements are intentionally opaque to hide massive markup spreads on regulated debit and wholesale commercial volume. VALZOX enforces transparent Interchange-Plus contracts to provide raw assessment data and repatriate hidden processor margins.
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