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. You keep the optionality. We keep earning the next month, every month.
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.
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.
Pricing models
Three ways to charge. Whichever wins on your numbers, wins the deal.
We run the math on all three pricing models against your actual volume, ticket size, and card mix. Then we recommend the one that keeps the most margin in your pocket.
Interchange Plus
Card-network pass-through cost plus a transparent markup. The model honest operators always end up on. Best for higher-volume businesses where every basis point matters.
Dual Pricing
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.
Surcharge Programs
A flat surcharge on credit only (debit excluded by law). Less aggressive than dual pricing, easier to roll out, still recovers most of processing cost.
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:
Click any vertical to open the dedicated solutions page →
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.
Merchant Rewards
Your processor finally pays you back.
Every FinCo merchant earns redeemable points just for being on the platform. Run a cash-discounting program — more points. Roll out dual pricing — more points. Refer another business owner — more points. Redeem from a curated catalog of gift cards, travel, experiences, electronics, and lifestyle items.
Cash discounting earns
Compliant cash-discount programs credit you ongoing points based on the volume processed through them. Bonus points on first rollout.
Dual pricing earns
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.
Referrals earn
Refer a fellow business owner. If they board with FinCo, you earn bonus points plus an ongoing share for as long as they stay processing.
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.