What Your
Payment
Processor
Doesn't Want
You to Know.
The truth about interchange plus pricing, dual pricing, and why businesses processing $1M+ annually are quietly overpaying by $25,000–$40,000 every year.
- ✓Why flat rate pricing (Square, Stripe) destroys you at volume
- ✓What interchange plus is — and why processors hide it
- ✓How to read your statement and spot hidden fees in 5 minutes
- ✓How dual pricing can take your processing fees to $0
- ✓The 7 questions to ask any processor before you sign
- ✓Equipment fees, lease traps, and cancellation tricks
- ✓How to switch processors without paying a dime out of pocket
Processor
Doesn't Want
You to Know
"As a small business owner for 25 years, I know every penny matters to the success of your business."
I've been on both sides of this industry. I know what it feels like to write that check to your processor every month and wonder if you're getting a fair deal. Most of the time — you're not. This guide exists because nobody in payment processing was willing to just tell the truth about how it works.
I built Fairway Payment Solutions around one principle: Freedom From Fees. This guide is the first step in that conversation.
— Ian Tortorella, Founder · Fairway Payment Solutions
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9 Chapters. No Fluff. Instant Download.
The Fee Game Nobody Explains
Why processing fees are designed to be confusing — and who benefits from your confusion.
The 3 Pricing Models
Flat rate, tiered, and interchange plus — what they mean and why only one is actually honest.
Interchange Plus — The Hidden Model
The pricing model processors won't offer you unless you specifically ask — and why it matters.
Read Your Statement in 5 Minutes
A step-by-step breakdown of every line item on your processing statement — including hidden fees.
Dual Pricing — Zero Fees
How to legally eliminate your processing fees completely. What it is, how it works, and who it's right for.
Why Square Destroys You at Volume
The math that Square and Stripe don't want you to run — with a real comparison at $1M, $2M, and $5M.
Equipment & Cancellation Traps
Lease traps, termination fee tricks, and why some processors make it deliberately hard to leave.
7 Questions to Ask Any Processor
The exact questions that separate honest processors from ones who are hiding their margin.
What to Do Next
A clear action plan — including how to submit your statement and see your real savings number.
Any Business That Accepts Cards
If you process credit or debit cards and you have never had a processor walk you through interchange plus pricing or dual pricing — this guide was written for you.
Restaurants & Food Service
Retail & Boutiques
Auto & Service Businesses
Medical & Dental Practices
Legal & Professional Services
Hotels & Hospitality