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.
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.
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.
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.