Thank You

Your statement is with us. We will come back to you with a written breakdown, usually within one business day.

Here is what happens next. We read the statement line by line and work out your real effective rate: the total of every fee divided by what you processed. That is the only number that tells you what accepting cards actually costs you, and it is usually not the rate you were quoted.

Then you get a written summary covering:

• Your effective rate, and how it compares to what is typical for your industry and average ticket.
• Any junk fees or change-of-terms charges sitting on the account.
• What you would pay under a dual pricing program, and what a competitive interchange-plus setup would look like instead.
• A straight answer about whether switching is worth it. Sometimes it is not, and we will say so.

If you need something sooner, call or text (817) 583-1169 or email in**@********os.com.

While you wait

• Work out your own effective rate. It takes two numbers off the statement.
• How to read a merchant statement, line by line.
• Cash discount vs. surcharge (the difference, and why it decides your compliance exposure).