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Credit Card Processing
Merchant Processing Expense Review
Reduce merchant processing expense with independent financial visibility.
CG Moneta Consulting helps healthcare organizations evaluate card-acceptance costs, isolate processor economics, and improve transaction-level financial performance without selling payment processing services.
Independent Advisory Positioning
Independent from processing sales.
CGM does not sell merchant processing, resell payment services, or move providers into bundled processor contracts.
The engagement evaluates the provider’s existing processing environment and identifies practical opportunities for measurable savings.
Expense Review Scope
Where merchant processing costs increase.
Merchant processing expense is difficult to evaluate because interchange categories, processor markups, gateway costs, compliance charges, and contract terms are often spread across complex monthly statements.
Expense Review Methodology
A structured review of processing expense.
The methodology translates statement complexity into a practical view of commercial position, savings potential, and implementation priorities.
Merchant statements.
Statements, fee schedules, transaction activity, and recurring charges are collected and normalized.
Fee structure.
Key cost drivers are mapped across interchange, markup, gateway activity, compliance fees, and pricing tiers.
Pricing efficiency.
The current commercial position is compared with expected cost structures and available alternatives.
Contract exposure.
Renewal conditions, cancellation exposure, bundled charges, and processor obligations are assessed.
Cost reduction pathway.
Findings are converted into a prioritized reduction pathway.
Implementation guidance.
CGM supports execution while protecting payment workflow continuity.
Fee Structure
Paid from realized savings.
The service is structured around realized savings from implemented merchant processing improvements.
This keeps the engagement aligned with measurable financial improvement, not fixed consulting fees or unrelated vendor changes.
Savings-based commercial model.
CGM is compensated only from realized savings achieved through the expense reduction process. If savings are not implemented, there is no savings-based compensation to CGM.
Financial Visibility
Processing costs are often difficult to isolate.
Merchant processing statements often obscure the true cost of acceptance through fragmented pricing, interchange complexity, equipment charges, and limited commercial context.
Optimization Outcomes
Designed to improve processing efficiency.
The objective is to turn processing complexity into practical decisions that improve cost position, vendor governance, and operating stability.
Begin With The Review
Begin with a processing expense review.
Schedule a confidential review of merchant processing statements, commercial position, and current vendor configuration.
