Cut 10–30% Off Your Credit Card Fees — Without Changing Your Processor
For US & Canadian businesses processing $110k+/month in card volume. We help you uncover and eliminate unnecessary fees in your existing setup. No disruption. No new contracts. You only pay a share of verified savings.
Or book a 15-minute discovery call
Stesanor partners with a specialized optimization firm that has saved clients millions in reduced processing fees — all without switching processors.
Not Sure What You’re Really Paying? Get a Clear Picture in 60 Seconds
Finding where your fees hide isn’t easy — even when your processor says you’re getting a “great rate.” Most businesses discover their true cost after they run the numbers and compare them to what they think they’re paying. That’s why we built the Merchant Effective Rate Calculator — a free tool that shows you your actual processing costs, including fixed fees, per-transaction charges, and chargeback impact.
Try the Free Effective Rate Calculator Now
Instantly see what you’re really paying and uncover opportunities to save — before you ever submit your statements.
“Is this you?”
If This Sounds Like You, You’re in the Right Place
- You process $110,000+/month in credit card transactions.
- You’ve already negotiated your rates, but fees still feel high.
- Your bank or processor says, “You’re getting a great deal.”
- You’re locked into a relationship and don’t want the hassle of switching.
- You suspect there are hidden costs buried in statements, but your team doesn’t have time to dig.
If you’re nodding your head, our no-switch fee optimization service was built for you.
Why most businesses overpay (even with “good” rates)
Why Your “Great Rate” Might Still Be Costing You Six Figures
Credit card processing is complex on purpose. Interchange categories, statement formats, surcharges, downgrades — all of this creates opportunities for unnecessary costs to sneak in, even if your headline rate looks competitive.
2–3 key points:
Misconfigured interchange categories: Small configuration errors can force transactions into higher-cost categories month after month.
Hidden markups and junk fees: Statement layouts make it hard to see what’s truly interchange and what’s pure markup.
No continuous optimization: Most processors set you up once and rarely refine your setup as your transaction mix changes.
That’s where we come in: we analyze, reconfigure, and continuously optimize your existing setup — without asking you to change processors.
How the Stesanor no-switch optimization works
How It Works
Step 1 – Free Savings Analysis
You send us recent processing statements (securely). Our specialists run a detailed analysis to estimate your potential savings with your existing processor.
Your time required: ~30 minutes to gather statements.
Cost: $0.
Step 2 – Implementation With Your Existing Processor
If the opportunity is meaningful, we work behind the scenes with your current processor to correct configurations, optimize interchange, and remove unnecessary fees. You keep your bank and relationships — we optimize what’s under the hood.
Step 3 – Ongoing Monitoring & Shared Savings
We continuously monitor your fees and performance. You pay only a percentage of actual, documented savings. If there’s no savings, you don’t pay.
No savings = No fee.
It’s that simple.
Who we help
Who This Service Is For
This service is primarily for US & Canadian businesses with meaningful card volume and recurring processing costs.
By industry:
Ecommerce & subscription brands
Professional services (legal, consulting, B2B)
Healthcare & dental groups
Hospitality & multi-location retail
SaaS and software companies
Wholesale & B2B trade
By volume:
Ideal: $300k–$5M+ per month in card volume
Minimum: $110k/month (for this specific service)
If you’re outside the US/Canada or in a high-risk category, Stesanor may still be able to help with processor selection, rate negotiation, and high-risk solutions — learn more about our other services.
What kind of savings are possible?
What Could This Be Worth to Your Business?
Example Scenario
A company processing $500,000 per month ($6M/year) in card volume.Through optimization with their existing processor, we uncover $150,000/year in unnecessary fees.
That’s $12,500 per month straight back to their bottom line — without changing processors, banks, or gateways.
Results vary by business, but for many mid-size merchants, five- and six-figure annual savings are realistic. That’s budget you can redirect to growth, hiring, or simply improving profitability.
Why Work With Stesanor?
Processor-agnostic & merchant-first
We don’t push you into a specific processor. Our goal is simple: maximize your savings and stability, whether that means switching providers or optimizing the one you have.Specialized optimization partner for US & Canada
For this no-switch program, Stesanor works with a dedicated optimization firm with a proven track record of saving clients millions in fees while they stay with their current processor.Performance-based model
There are no retainers, no setup fees, and no obligation if we can’t find savings. You only share in savings that are actually realized and documented on your statements.
Frequently Asked Questions
Q1: Do I really not need to change my processor?
A: Correct. This program is specifically designed to help you keep your current processor or bank. We optimize how your account is set up and how transactions are routed and categorized within that relationship.
Q2: What does this cost?
A: There is no upfront cost. Our fee is a percentage of the verified savings we create for you. If you don’t save money, you don’t pay.
Q3: How much time will my team need to invest?
A: Usually less than a couple of hours total. You’ll need to provide recent processing statements and answer a few questions about your setup. We handle the heavy lifting and coordinate with your existing processor.
Q4: What types of businesses get the best results?
A: Companies processing $300k–$5M+ per month in card volume, especially in ecommerce, healthcare, professional services, and multi-location retail/wholesale, tend to see the most impact.
Q5: Is this available outside the US and Canada?
A: This specific no-switch optimization program is currently available only for US and Canadian merchants. However, Stesanor offers other services — including rate negotiation, processor selection, and high-risk merchant solutions — for businesses in other regions.
Q6: Will this hurt my relationship with my bank or processor?
A: No. Our work happens within your existing relationship and often strengthens it by making your setup more efficient and sustainable. We’re not asking your processor to cut their own throat — we’re eliminating errors, misconfigurations, and unnecessary costs.
Ready to See If You’re Overpaying?
If your business is processing $110,000+ per month in credit card volume in the US or Canada, a quick review of your current setup could uncover significant, recurring savings — without changing processors.