The hidden cost in every statement

You're overpaying
your processor.
Most merchants are.

Buried markups, padded PCI charges, and equipment leases quietly drain five figures a year from high-volume merchants. We read the statement line by line, then broker the processor that actually fits — low or high risk, in store or online.

Statement teardown

Live sample

0%

average cost reduction after we re-broker the account

Interchange (unavoidable)fixed
Processor markupleak
Statement & PCI junk feesleak
What you should be payingtarget

No switching cost, no contract games — we only recommend a move when the math clears.

$100M+

Monthly client volume placed

30%

Average processing cost reduction

48hr

Typical approval turnaround

RetailRestaurantsE-commerceSalons & spasFood trucksHigh-risk merchantsSubscription billingWholesale & B2BRetailRestaurantsE-commerceSalons & spasFood trucksHigh-risk merchantsSubscription billingWholesale & B2B

Custom setup

Programs configured around your menu, inventory, and sales channels.

Hands-on onboarding

We install, configure, and train your team so day one runs smoothly.

24/7 support

Real people on the line whenever a terminal or batch needs attention.

Independent & transparent

We work for you, not a processor — pricing you can actually read.

Our services

Tailored tools, total support.

From zero-cost credit card processing to high-risk placement and POS hardware, we help you keep more of what you earn.

Payment processing matching

We analyze your volume, risk profile, and sales channels to pair you with the processor that maximizes approval rates and minimizes fees.

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Zero-cost processing

Eliminate credit card processing fees with compliant surcharge and cash-discount programs designed for your business model.

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High-risk merchant accounts

Specialized placement for industries other providers decline. We work with low and high-risk businesses doing $100K+ per month.

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POS, kiosks & equipment

From Clover terminals to custom food-truck kiosks, we source, configure, and support the hardware that fits your workflow.

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Restaurant & retail solutions

Smart inventory tracking, fast checkout, and hospitality-grade tools built for the pace of your floor.

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Ongoing support & partnership

White-glove onboarding, fast approvals, and a dedicated partner who stays with you long after you go live.

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The broker model

We sit on your side of the table.

Empower Business Services is a broker and consultancy — not a processor. Processors compete for your account through us, which means our recommendation is driven by your economics, not by a single provider's quota. We stay independent, and we stay accountable to you.

Your businessEBSProcessor network

One brief, every network

You tell us the business once. We shop it across our acquiring banks, gateways, and processor partners instead of you filling out ten applications.

Interchange-level analysis

We read your statement down to the interchange line, separate pass-through cost from markup, and model what each offer really costs at your volume.

Underwriting advocacy

For high-risk and hard-to-place merchants we package the file, defend it in underwriting, and negotiate reserves and rolling holds on your behalf.

Leverage that lasts

Rates drift. We re-bid your account as you scale so the deal you signed keeps pace with the volume you're doing today.

POS + CRM

Payments, point of sale, and customer data in one stack.

We only place merchants with processors whose POS ships with a real CRM behind it — so the system that takes the payment also grows the relationship.

A point of sale matched to how you actually sell.

Counter-service, full-service, mobile, kiosk, or online checkout — we spec the hardware and software combination that fits your throughput, then load your menu, catalog, modifiers, and tax rules before it ships.

Talk through your setup
  • Smart terminals, handhelds, and self-serve kiosks
  • Menu, catalog, and modifier build-out included
  • Offline mode so a dropped connection never stops a sale
  • Tip, tab, and split-payment workflows configured
Shop owner taking a card payment on a counter terminal

Built for the floor

Your counter should never slow you down.

We configure terminals, kiosks, and online checkouts around the way your team actually works — then we stay on call so a busy Friday never turns into a lost sale.

  • Same-week installs
  • Menu & inventory loaded
  • On-site training
  • 24/7 live help

How it works

Engineered for your daily hustle.

We handle the heavy lifting — analysis, placement, setup, and training — so your payments just work from day one.

  1. 01

    Statement review

    Send us a recent processing statement. We break down every fee line and show you exactly where the money leaks.

  2. 02

    Tailored match

    We compare offers across our processing partners and recommend the setup that fits your risk profile and volume.

  3. 03

    Setup & training

    Hardware configured to your menu or inventory, installed and demonstrated so your team is confident from day one.

  4. 04

    Ongoing partnership

    Rate reviews, equipment swaps, and around-the-clock support — we stay in your corner as you grow.

Why us

Powerful platforms, human partnership.

We are not a processor — we are your advocate. Our independence means we compare solutions across the industry and recommend the one that actually fits your risk, volume, and customer experience. Exceptional service is the standard, from first conversation to long after you go live.

  • Independent comparison across 100+ processing partners
  • Fast, high-touch onboarding and white-glove support
  • Transparent pricing with no hidden setup fees
  • Solutions for both low-risk and hard-to-place industries
  • A dedicated partner who answers the phone after you go live

$100M+

Monthly client volume placed

30%

Average processing cost reduction

48hr

Typical approval turnaround

100+

Merchant partners nationwide

FAQ

Questions merchants ask us first.

Straight answers, no processor sales script.

We act as your buying agent. We audit your current processing costs, take your business to multiple acquirers and processors, negotiate the pricing and terms, then manage the setup and ongoing account. You get one point of contact instead of a dozen sales reps.

The statement review and recommendation are free. We are compensated by the processing partner once you decide to move forward, and we show you the full cost structure of the program before you sign anything.

Yes. Subscription billing, nutraceuticals, firearms, CBD, travel, and other hard-to-place verticals are a core part of what we do. We package the underwriting file and negotiate reserve terms so the account stays stable.

Not always. If your current hardware can be reprogrammed to a better-priced processor, we do that. If the hardware is the bottleneck, we spec a replacement, load your catalog, and train your staff before switchover.

The POS platforms we place capture customer identity at checkout and write it into a built-in CRM. That powers loyalty, targeted campaigns, and repeat-visit automation without you exporting spreadsheets between systems.

Most low-risk accounts are approved in about 48 hours and live within a week. High-risk placements typically run one to three weeks depending on underwriting requirements.

Ready to upgrade? Let's build your system.

Send us one statement and we'll show you what you should be paying — no obligation, no pressure.

Talk to a consultant

Contact

Get your free payment analysis.

Tell us about your business and we'll show you exactly where you can save on processing — no obligation, no pressure.

Call or text

(555) 123-4567

Email

info@empowerbusinessservices.com

Serving

Merchants nationwide