Send us one processing statement. We read every line, name every fee and tell you what is actually negotiable, usually within 24 hours. If you should stay where you are, we say so. You never write us a check.
FinCo Payments is an independent merchant services consultant in Austin, TX, working with merchants in Austin and nationwide. You send your statement. We read every line. If we can save you money on your current setup, we say so — even when that means you stay exactly where you are and we don't get the deal. If we can place you somewhere better, we propose the move with the math attached. If you say yes, FinCo gets paid by the processor each month you process. You pay the processor's published cost, and you never write us a check.
That only works if you stay happy month over month. So the whole company is built around long merchant relationships rather than fast sign-ups — a slower way to build, and the only version where growing FinCo means growing the businesses we serve.
Most payment reps work for one processor and get paid to close you. We work for you, and that covers every line of your statement, every fee on your terminal and every contract on your desk.
We work with a deep bench of processor relationships, and add new ones for a vertical or a one-off deal when the fit calls for it. Whichever processor wins the economics for your volume, your vertical, and your hardware is the one that wins your business.
We build the pricing around your business: dual pricing where it fits, interchange-plus where it fits better. You stay because it keeps working for you, and we earn your business again every month. Month-to-month terms, with the freedom to change course whenever your business does.
Every line item, named. Clear gateway fees, a clean PCI setup, and a plain-English statement you can actually read top to bottom. You see what you pay and why.
Payment processing is usually sold once and quietly forgotten: a rate quoted, a signature collected, and a rep who moves on to the next account. Our consultants sit on your side of the table, and the relationship begins at signing instead of ending there. We're measured on how long our merchants stay, not on how fast we close them. When we can't meet in person, we prefer a quick video call, because it's the most personal way to understand your business and what you want out of it.
We only earn when you stay, and you only stay if you keep coming out ahead. That's how we get paid, and it's why our advice and your interest never split.
We review your account every quarter, and any time you ask, to catch rate creep, new fees or a better placement before they cost you. You never have to wonder if you're still getting the deal you signed up for.
Statement questions, fee disputes, a broken terminal, a chargeback — one person who knows your business handles it. No phone tree, no ticket queue, no "let me transfer you."
These are the pricing models the industry actually uses, including the ones most reps won't put in front of you. We run the math on all six against your real volume, ticket size, and card mix, then recommend the one that keeps the most margin in your pocket.
Card-network pass-through cost plus a transparent markup. The model honest operators tend to end up on. Best for higher-volume businesses where every basis point matters.
A lower cash price and a higher card price posted side by side. Card customers fund processing directly; cash customers get a clean break. Legal in 49 states.
A flat surcharge on credit only (debit excluded by law). Less aggressive than dual pricing, easier to roll out, still recovers most of the processing cost.
One posted price, with a discount applied at the register when a customer pays cash. The mechanics and disclosure rules differ from dual pricing, and which one is compliant for you depends on your state and your card-brand rules. We'll tell you which.
Transactions sorted into qualified, mid-qualified, and non-qualified buckets. It's the most common model in the industry and the one that hides the most. We'll quote it if you want the comparison, and we'll show you exactly what those buckets are doing to your effective rate.
For higher-volume and multi-location operators: pricing negotiated against your actual interchange profile instead of a rate card. Custom markups, negotiated terms, and the bargaining power that comes with real volume behind the ask.
Every vertical has its own card mix, its own software and its own fee leaks. Our multi-processor structure lets us place and support businesses across every small-business vertical worth serving, including ones other providers decline. A few we work in regularly:
Pick yours to see what we look for on your statement →
POS integrations, online-ordering fee recovery, dual pricing for counter service.
Surcharge and dual-pricing programs, clean countertop hardware.
Appointment + tip-friendly processing, no-PCI-shock setups.
Higher-ticket card mix, surcharge programs that don't scare repeat customers.
Dental, optometry, veterinary — clean compliance posture, multi-location billing.
Recurring billing, failed-renewal recovery, chargeback alerts.
HVAC, plumbing, electrical, lawn — mobile terminals, invoice + pay-by-link.
Card-not-present processing, gateway integrations, fraud protection on top.
Law firms, accountants, consultants — trust-account-friendly, large invoice handling.
Hotels, B&Bs, vacation rentals — multi-property reporting, swipe + integrated.
Cannabis-adjacent, firearms, CBD, nutraceuticals — properly underwritten placements.
If your business isn't on this list, it's still on our list. Tell us what you do and we'll tell you which placement fits.
FinCo is RepVantage's exclusive partner in payments, so beyond moving money, we put an agentic AI platform in your hands: sales briefs before every call, an admin console for the whole team, GEO so AI assistants recommend you, and websites built on the same stack. One relationship for how the money moves and how the business grows.
FinCo Rewards members earn cash back on the programs they actually run: a cash-discounting program, a dual-pricing rollout, or a referral of another business owner. Take it as cash back, or redeem it from a curated catalog of gift cards, travel, experiences, electronics and lifestyle items.
Compliant cash-discount programs credit you ongoing points based on the volume processed through them. Bonus points on first rollout.
Dual-pricing rollouts earn one-time bonus points plus an ongoing percentage of dual-pricing volume, on top of the margin you're already recovering.
Refer a fellow business owner and earn $100 in reward points when they board. Referral partners and ambassadors earn a 10–20% share of FinCo’s revenue on every account they introduce. See the three ways to earn →
Send one statement. We read every line, name every fee and tell you what is negotiable, in writing. If your current setup is already good, we tell you to keep it. No card, no contract, no obligation.
