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
Lower your credit card processing fees. Keep more of what you earn.
Send your two most recent credit card processing statements for a complimentary written review. Only have one handy? That is enough to get started. If your pricing is already fair, we will tell you. If there is an opportunity to lower your fees, we can negotiate with your current processor, with your permission. No phone call required.
Your written review is free. If you choose negotiation, you pay only if savings are recovered, under terms you approve in writing.
20 years in paymentsWritten findings in two business daysPermission first
- Free written reviewInitial findings within two business days of a complete submission.
- No sales call requiredChoose email, text, or a call only if you prefer one.
- Keep what already worksSame processor, POS system, equipment, and workflow.
From statement to savings
We handle the work your processor hopes you never have time to do.
We find the controllable costs, make the case for better terms, and help protect the result over time.
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.
Advocacy without disruption
Keep the processor, equipment, and systems you already use.
SPA's first move is not to sell you a new merchant account. We review the pricing you have now and, with your permission, negotiate directly with your current processor when a worthwhile opportunity exists.
Keep your QuickBooks connection, portal, terminals, deposit schedule, and daily workflow. We handle the pricing conversation so you can keep running your business.
Experience and safeguards
Your processor has experts. You should too.
Sica Payment Advisors brings two decades of payment-processing experience to every review. We understand how processors structure pricing, protect margins, and introduce changes a busy merchant may never notice.
- A written answerLearn whether your pricing is strong or worth challenging.
- Permission firstWe do not contact your processor without separate written authorization.
- Secure intakeStatements are submitted through a dedicated secure form, not ordinary email.
Straight 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 line items. It cannot represent your business, validate how your processor applied its pricing, negotiate directly, document the result, or monitor future increases. 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.
An advocate in your corner
Find out if you are overpaying for credit card processing.
Send your two most recent processing statements for a complimentary written review. Only have one handy? That is enough to get started. No phone call required.