Card processing
Merchant services that start with your statement.
Stratamize reads your current statement, explains what each fee pays for and sets up an account that fits how you take cards: at the counter, by phone or online.
About two minutes. Our team follows up.
Example statement
- Total card sales The month’s card volume, usually on the summary page
- Total fees Every fee for the month, added together
- Pricing model Interchange-plus, tiered or flat rate
- Monthly and PCI fees Statement, PCI and minimum fees
Your effective rate = total fees ÷ total card sales
- Registered ISO We set up merchant accounts directly, subject to underwriting approval.
- Based in Newnan, GA Serving merchants nationwide. Call us: (770) 629-0928.
- Nationwide setup By phone anywhere in the U.S. On site in Coweta County and metro Atlanta.
- Hosted card entry Card numbers go into the processor’s secure forms. We never handle them.
Card processing
Where to start.
Credit card processing
A merchant account for in-person, phone and online sales, priced on a model we name up front. How processing works and what it costs, explained.
Statement review
Send us a recent statement. We find your effective rate, explain every fee line and show you what the same month would cost with us.
Statement rate tool
Two numbers from your statement give you your effective rate. The math runs in your browser; nothing is sent.
Statement review
What we look at on your statement
Most processing statements run several pages, but two numbers tell you what you really pay: total card sales and total fees for the month. We start there, then go line by line.
- Your effective rate: total fees divided by total card sales
- Which pricing model you are on: interchange-plus, tiered or flat rate
- Card-brand fees, which are the same at every processor
- The processor's own markup, per-item and monthly fees
- PCI non-compliance fees, statement fees and monthly minimums
- Rate-change notices, usually on the first or last page
- Any terminal lease billed by a separate leasing company
Not sure what a line means? The merchant services glossary defines the terms on a statement in plain words.
Pricing models
Four ways businesses are priced today
Two businesses with the same rate on paper can pay very different amounts, because the model decides what each sale costs. Your quote names the model and the rates.
Interchange-plus
You pay the card networks' own cost for each sale, listed line by line, plus a set markup. The statement is longer, but every line can be checked.
Tiered
Sales are grouped into qualified, mid-qualified and non-qualified buckets, each with one blended rate. The processor decides which bucket a sale lands in.
Flat rate
One rate for every card. It is simple to read, but you pay the same rate on a low-cost debit card as on a premium rewards card.
3.5% off for cash
For in-person sales: your posted prices are the card prices, and customers who pay cash get 3.5% off. Nothing is added at the register. It never applies to online payments.
How switching works
From request to running in three steps.
Tell us about your business
Answer a few questions about how you take cards today, then confirm your email and finish a short checklist, where you can upload a recent statement securely.
See your numbers
We show you your effective rate today and quote the same month with us, model and rates named, before you sign anything.
Get set up
After approval we set up your account and your Clover or gateway and test a live sale. Keep your current account open until the new one is running.
Point of sale
Replacing your terminal? We set up Clover too.
If your terminal or register is due for replacement, we can quote a Clover POS with the merchant account it runs on, so the devices, the software plan and your processing come from one team. Anywhere in the U.S. we ship the devices ready to use and train your staff by phone; in Coweta County and metro Atlanta we install, test and train on site.
Counter businesses can also add 3.5% off for cash: card customers pay the posted price and cash customers get the discount, in person only.
What are merchant services?
A merchant account and the tools that let you accept cards: a terminal or POS at the counter, a gateway for online and phone payments, and the processing that moves each sale to your bank account. We set up all three as a registered ISO.
Will switching save me money?
We can't tell you before we see a statement, and we don't promise savings. The review shows your effective rate today and what the same month would cost with us. If your current pricing is already competitive, the numbers show that too.
What do I need to apply?
Your business and owner details, a voided check or bank letter for deposits, and a recent processing statement if you take cards today. You upload documents through the secure checklist after you confirm your email, never by text or email.
Do I have to replace my equipment?
It depends on what you use today. Tell us the terminal or POS you have and we will tell you whether it can stay or whether a Clover makes more sense. If your terminal is leased from a separate leasing company, bring the lease too.
Do you handle my customers' card numbers?
No. Card entry happens on the Clover device or in the processor's hosted payment forms. Raw card numbers never reach our team.
Do you work with businesses anywhere in the U.S.?
Yes. We set up merchant accounts for businesses nationwide: the application and quote happen by phone, devices ship ready to use and we do the setup with your team on a call. We are based in Newnan, Georgia, and in Coweta County and metro Atlanta we also set up on site. See where we work.
Card processing
Send us a statement. See what you pay.
We read every fee, explain it in plain words and show you the same month priced with us.
Approvals usually come back within hours, three days at most.
Book a call