Prism Cost Auditing
Independent Cost Reductions & Expense Optimization
We lower your credit card fees without switching processors. No risk: if we don’t save you money, you don’t pay.
Processing fees are rarely as fixed as they look
Hidden markups, outdated rate tiers, and quiet add-ons add unnecessary bloat to your merchant fees every month. Prism finds what doesn’t belong and claws it back, while your day-to-day checkout stays exactly as it is.
Process
Three steps. Same processor.
01
Audit the statement
We line-item your processing costs, flag inflated rates, and map every fee that can move.
02
Restructure with your processor
We negotiate on your behalf with the provider you already use. No migration, no new hardware, and no headaches, just savings.
03
Guard the savings
Monthly statement checks catch creep and new charges so reductions don’t quietly reverse.
Aligned with your savings
Prism is paid only when we reduce what you pay. No upfront retainer. No monthly software fee. A percentage of documented savings—so our incentive matches yours.
- Statement-level fee forensics
- Direct negotiation with your processor
- Credits pursued for improper charges
- Ongoing monitoring after the reset
Illustrative — not a client result. Unreviewed add-ons tend to creep; a reset holds the line.
- Unreviewed
- After a reset
Typical statement mix
- 70% Interchange — networks & issuers
- 10% Assessments — Visa / Mastercard dues
- 20% Processor markup — the part an audit can move
Path one
Book a consultation
Tell us about your volume and processor. We’ll schedule a short review and outline where savings usually appear.
Same processor. Lower cost.
We work the markup. Checkout stays put.
Path two
Free statement audit
Upload a recent merchant statement. We analyze it at no cost and report concrete reduction opportunities before any engagement.
Questions
- Do I have to switch processors?
- No. Prism works with your existing merchant account. The goal is lower cost inside the relationship you already have.
- How do you get paid?
- Success-only. We earn a percentage of the savings we document. If we don’t reduce your costs, you don’t pay a fee.
- How long does the first audit take?
- Most statement reviews turn around in one to two business days. Processor negotiations typically follow within the week.
- Who is this for?
- Any business that accepts cards—retail, healthcare, hospitality, ecommerce, and beyond. If volume is meaningful, the audit usually finds room.