Peachcrest Payment Solutions — merchant services & credit card processing nationwide
Independent U.S. merchant-services agency. We audit your statement, fix your pricing — interchange-plus or dual pricing that offsets up to 100% — and stand guard for free.
Your business could be handing its processor an extra
$14,500in card fees this year
Estimate vs. a typical transparent interchange-plus repricing — dual pricing can offset up to 100%. Your free audit pins down the real number.
No obligation · If our free audit can't find at least 20% in savings, we hand you $100 · New businesses welcome
Cards, wallets & hardware we set up every day
This year, card processing will cost you about $16,800
Drag the sliders and watch the three ways out: transparent interchange-plus repricing, or dual pricing that offsets up to 100% of the cost. Your free statement review turns the estimate into an exact number.
Don't know your effective rate? Almost nobody does — that's the point of the audit. We've pre-set the small-business average; leave it and keep moving.
Estimates, not quotes — your real card mix decides the exact figure, which is what the free audit pins down. Dual pricing offsets processing costs by posting cash & card prices; interchange-plus passes network cost through with one fixed, visible margin. Processing under $5,000 or over $500,000 a month? The audit still works — book a call.
You're almost certainly overpaying to get paid
Processing statements are designed to be confusing. Rate creep, "non-qualified" surcharges, PCI fees, statement fees — they pile up quietly while you run your business. We read the fine print for a living.
Illustrative statement audit: interchange and card-brand assessments are fixed network costs; the processor's markup layer and junk fees such as padded PCI non-compliance charges are negotiable — that is where the audit finds savings.
Everything your business needs, one honest partner
Not a faceless mega-processor. Peachcrest is an independent agency — we shop the market for you, set you up, and stay reachable after the sale.
Fee-audit firms stop at finding. We fix and stand guard.
National audit consultants take up to half your savings, forever — and can't change your setup anyway. Here, every step is ours to deliver, and none of it costs you a cent.
A no-cost, 21-point statement audit
One PDF or a phone photo of last month's statement. We map every line to its cause — interchange, assessments, processor markup, and the junk hiding between them — and hand you plain-English findings within 48 hours. If the audit can't find at least 20% in savings, we hand you $100.
Start the free auditWe fix what auditors can only report
Consultants stop at the report. We reprice you on transparent interchange-plus or set up dual pricing that offsets up to 100% of your fees, place a free terminal for qualified merchants, file the EBT/FNS paperwork, and have your funds settling next-day — while your business keeps running. New businesses start here, with honest pricing from day one.
See the fixesRate Watch — protection that never sends you a bill
Processors count on rate creep. We keep reading your statements for it — new junk lines, quiet margin bumps, expired promo pricing — free, for as long as we work together. National consultancies charge up to half your savings for the same watch, forever. Yours stays 100% yours.
Ask how it worksIf your business takes cards, we work for you
Retail or service, storefront or mobile, low-risk or high-risk — every industry gets the same audit, the same honest pricing, and the same local support.
Don't see yours? If customers pay you by card, we can cut the cost — send us a statement and see.
Twelve broad categories, one honest playbook each — and if yours isn't on the list, it still gets the same audit, the same math, and the same guarantee.
Watch a real statement taken apart
Three minutes, one anonymized statement, zero jargon. We show you exactly where to look on your own bill: the three fee layers, the junk lines, and the one number that tells the truth — your effective rate.
Big numbers, honest math — here's how they happen
Three playbooks built from published interchange economics. Your audited numbers replace the estimates — that's the whole point of the free audit.
The Online Boutique
Ecommerce · card-not-present"Every sale is keyed or online, so every sale rides the most expensive rails — and the bundled plan hides what each one really costs."
The Family Restaurant
Hospitality · dual pricing"Thin margins, card-heavy tickets, tips on top — the processor takes its cut of all of it. Dual pricing hands the choice back to the customer."
The Mobile Service Crew
Trades & field services · virtual terminal"Invoices keyed in from the truck, a 'statement fee' here, a 'PCI non-compliance' fee there — none of it questioned in years."
Your business could be Audit #1 on this wall
We're too new to have a wall of client logos — and too honest to fake one. Every completed audit adds a real card here, with the merchant's sign-off on the numbers.
Why no client names yet? Because every number above is a worked example from published interchange economics — labeled as exactly that. As real audits complete, real results with merchant sign-off take their place.
What business owners tell us after the switch
Storefront, online, mobile, or B2B — every industry gets the same audit, the same math, and the same guarantee.
"Our statement finally makes sense, and our rate stopped creeping. Setup was fast and the team actually answers the phone."
— Store owner, United States"Finally someone who explains interchange in plain English. Card-not-present rates stopped being a mystery to us."
— Online business owner"Everything arrived pre-programmed and we were live with zero downtime. When we call, a person picks up."
— Multi-location service businessRetail · Ecommerce · Healthcare · Restaurants · Trades & Services · Transportation · B2B
Understand your bill before anyone quotes you
Plain-English explainers on what you're actually paying for — written so you can check our math, not just trust it.
Questions we hear every week
How does the $100 guarantee work?
We're just opening and don't have a statement yet — can you still help?
What is dual pricing, and is it legal?
Do I really get a free terminal?
How fast can I switch?
Keep more of every sale.
Upload a statement today. If our free audit can't find at least 20% in savings, we hand you $100 — no strings, no contract, no pressure. Opening a new business? No statement needed — we set you up right from day one.