Never any contracts
No multi-year commitments. No "termination liability." You can leave any month, any reason, and we still take your call. The relationship is the product.
About FinCo
We started FinCo because merchants deserve an advocate — not another sales rep.
Someone who puts their business first, not their own commission. Someone who shows up after the sale. Someone who reads the statement, names every fee, and tells the truth about what's negotiable. That's what we built.
Why We Started
The merchant-services industry is built around the wrong incentive.
For decades, payment processing was sold the same way: an inside-sales rep dials cold, talks down rates, hides padding in the fine print, earns a commission on the spread, and disappears. The merchant is the inventory. Gray-area pricing, hidden fees, surprise PCI charges, and unexplained rate hikes are the industry default — and once you sign, the rep is gone.
FinCo flipped the model on its head. We're consultants, not salespeople. We earn only when the merchant stays — which means the only way to build a real FinCo business is to make sure every merchant we onboard comes out ahead, and stays ahead. The advocate model isn't a marketing line. It's a structural choice baked into how we get paid.
The Inversion
We make money for and with our clients — never from them.
This is the single most important sentence on this website. Most merchant-services firms make money from the merchant — through padded markups, gateway fees, annual fees, statement fees, PCI surcharges, and rate creep. The merchant is a revenue source.
FinCo doesn't work that way. Our merchants never write us a check. There are no FinCo fees, no annual charges, no statement charges, no rate-creep adjustments. The merchant pays the processor's published cost. FinCo gets paid by the processor for placing and supporting the account — that's it. Our incentive is permanently aligned with the merchant's: the lower their rate, the longer they stay, the more we both win.
What you'll never get from FinCo
The grey-area practices we refuse to do.
Our consultants exist to separate the grey out of merchant services into clear black and white. Here's what black-and-white means in practice:
Never any cancel fees
If you outgrow us or find a better deal somewhere else, we close the account cleanly. No early-termination penalty. No buyback game. No "60-day notice" trap.
Never any rate increases
Rate increases are the industry's quiet annuity — bump every account 0.1% and nobody notices. We don't do it. Your rate is your rate. If the underlying network costs go up, that's a card-network change you'd see anyway — not a FinCo decision.
Never any grey-area pricing
No padded gateway fees. No "non-qualified" buckets dumped at the bottom of your statement. No PCI surcharges you can't explain. Every line on your statement is something we can name and defend.
Where We're Going
A one-stop merchant-services + fintech AI consultancy.
Payment processing is the foundation, but it's not the whole vision. FinCo is scaling into a one-stop operating partnership for small business — wrapping payment processing together with the services that actually move a small business's revenue line. Where we're heading:
Web services, marketing & driving traffic
Brand-aligned websites, hosting, GEO (Generative Engine Optimization), SEO, ad strategy, and content. The services that make sure your top-of-funnel keeps producing — so the merchant account we set up has more transactions running through it.
FinCo AI + SaaS products
In-house gateway, analytics, and operational tools — coming soon. Never forced on any merchant. Available when you choose them, on the terms that fit your business.
Wealth management for our merchants
The Senior Consultant model + FinCo's financial backbone means we're naturally positioned to advise small-business owners on what happens to the money after they earn it. A future addition to the operating partnership — for our existing clients first.
Blockchain & crypto-acceptance network
Coming-soon network solutions for crypto acceptance, lower network interchange, and structurally lower processing costs — savings we'd pass directly to the merchant. We grow by growing them. Not the other way around.
Who We Are
The people on your side of the table.
Drew Wisniewski
Founder · Managing Member
Owns the operations, strategy, finance, and tech side of FinCo. UGA Finance, FINRA Series 7, 63, SIE. Prior roles at Charles Schwab and Peachtree Orthopedics.
John Tastinger
Co-Founder · Senior Consultant
Sales origination — largest producer to date.
Ryan Felberg
Co-Founder · Senior Consultant
Sales origination.
Jake Cattron
Co-Founder · Senior Consultant
Sales origination.
The 30-second model
How the business actually works.
A merchant uploads their statement. We read every line. If we can save them money on their current setup, we say so — even if it means they stay where they are. If we can place them somewhere better, we propose the move with the math attached. If they say yes, FinCo gets paid by the processor each month the merchant processes — and we reinvest that into the relationship: better technology, better support, additional services, lower effective costs. The merchant pays the processor; they never pay us.
That model only works if we keep merchants happy month over month. So the entire company is structured around long merchant life, not high-velocity origination. It's a slower way to build, but it compounds — and it's the only model where growing FinCo means growing the merchants we serve.
Want to see how we read a statement?
Upload yours. We'll send back a one-page breakdown — the fees you're actually paying, the fees that are negotiable, and what a clean alternative looks like.