Independent Payment Processing Consultancy

Your business deserves an advocate, not a sales rep.

FinCo analyzes your current processing statement, eliminates hidden fees, and builds a transparent payment solution around your business — not our commission.

$0  Cost for your statement analysis 24hr  Average turnaround on savings report 100%  Transparent pricing — always
Why FinCo

We work for you, not the processor.

Most payment reps work for one processor and get paid to close you. We work for you — every line of your statement, every fee on your terminal, every contract on your desk. That's it.

Transparent pricing

Every line item, named. No padded gateway fees, no PCI surprises, no "non-qualified" buckets dumped at the bottom of your statement. You see what you pay and why.

Multi-processor placement

We're not locked to one back-end. We work with a deep bench of processor relationships and add new ones for verticals or one-off deals when the fit calls for it. Whichever processor wins the economics for your volume, your vertical, and your hardware wins the deal.

Merchant-first economics

Dual pricing where it fits, interchange-plus where it doesn't, and an exit if you ever outgrow us. The relationship is the product — not a 36-month lock.

Any & All Verticals

Built for your business — whatever you sell.

Generalist ISOs fall apart on every weird edge case. FinCo is built differently: our multi-processor, Super-ISO-backed structure means we underwrite, place, and support businesses across every SMB vertical worth serving — including ones other ISOs decline. A few we work in regularly:

Restaurants & QSR

POS integrations, online-ordering fee recovery, dual pricing for counter service.

Retail & Boutiques

Surcharge and dual-pricing programs, clean countertop hardware.

Salons & Spas

Appointment + tip-friendly processing, no-PCI-shock setups.

Auto Repair & Body Shops

Higher-ticket card mix, surcharge programs that don't scare repeat customers.

Healthcare Practices

Dental, optometry, veterinary — clean compliance posture, multi-location billing.

Gyms & Fitness

Recurring billing, member retention friendly, low chargeback risk profile.

Trades & Services

HVAC, plumbing, electrical, lawn — mobile terminals, invoice + pay-by-link.

E-commerce

Card-not-present processing, gateway integrations, fraud protection on top.

Professional Services

Law firms, accountants, consultants — trust-account-friendly, large invoice handling.

Hospitality

Hotels, B&Bs, vacation rentals — multi-property reporting, swipe + integrated.

High-Risk Verticals

Cannabis-adjacent, firearms, CBD, nutraceuticals — properly-underwritten placements.

Your vertical

If your business isn't on this list, it's still on our list. Tell us what you do — we'll route accordingly.

Two deep-dive landing pages where we've published extra context: For Restaurants →  ·  For Retail SMB →

Ready to Start?

Stop overpaying. Start saving.

Most merchants are surprised by ~10–30% of their statement. We read every line, name every fee, and tell you what's actually negotiable. No obligation. No card required. Free analysis back within 24 hours on average.