Merchant Service
Processing
Merchant Processing Expense Review
Reduce merchant processing expense.
CG Moneta Consulting provides independent merchant processing expense reviews designed to identify avoidable costs associated with accepting card-based payments, including pricing inefficiencies, interchange exposure, and contract-related cost escalation.
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 is focused on the provider’s current processing environment: reviewing statements, identifying avoidable cost exposure, and improving pricing efficiency where measurable savings can be achieved.
Expense Review Scope
Where merchant processing costs increase.
Merchant processing expense tied to credit card and card-based payment acceptance is often difficult to evaluate because pricing models, interchange categories, processor markups, gateway fees, and compliance charges can be layered across complex monthly statements.
Expense Review Methodology
A structured review of processing expense.
The review translates merchant statement complexity into a clear view of cost drivers, pricing structure, fee exposure, and available reduction opportunities.
Merchant statements.
Processing statements, fee schedules, transaction activity, and recurring charges are reviewed.
Fee structure.
CGM evaluates interchange, processor markup, gateway charges, compliance fees, and pricing tiers.
Pricing efficiency.
Current pricing is assessed against expected cost structures and available market alternatives.
Contract exposure.
Processor terms, renewal conditions, cancellation exposure, and bundled service charges are reviewed.
Cost reduction pathway.
Findings are translated into practical recommendations for reducing avoidable processing expense.
Implementation guidance.
CGM supports execution of recommended changes while maintaining the provider’s operating continuity.
Fee Structure
Paid from realized savings.
The service is structured around realized savings. CGM is paid from a percentage of the merchant processing savings identified and implemented across card payment acceptance costs.
This aligns the engagement around financial improvement rather than fixed consulting fees or unrelated vendor changes.
Savings-based commercial model.
CGM is compensated as a percentage of realized savings achieved through the expense reduction process. If savings are not identified and implemented, there is no savings-based compensation to CGM.
Financial Visibility
Processing costs are often difficult to isolate.
Merchant processing statements can obscure the true cost of acceptance through layered fees, fragmented pricing models, interchange complexity, equipment charges, and limited benchmarking visibility.
Optimization Outcomes
Designed to improve processing efficiency.
The objective is to create clearer financial visibility, reduce avoidable fee exposure, and improve transaction economics without unnecessary disruption to payment operations.
Begin With The Review
Begin with a processing expense review.
Schedule a confidential review of merchant card processing statements, pricing structure, fee exposure, and current vendor configuration.
