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
The merchant advocate, not a sales op.
Most processors work for the processor. We work for the merchant — transparent pricing, multi-processor placement, and a free statement analysis that shows you exactly where you're losing money today.
Why FinCo
Three things every merchant deserves — and rarely gets.
Most processors compete on commission. We compete on getting you the right placement, the right rate, and the right contract. That's it.
Multi-processor placement
We're not locked to one back-end. Hawthorn, Netevia, Luqra, Cliq, PayArc — 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.
Vertical Focus
We go deep on two verticals.
Generalist ISOs lose money on every weird edge case. We invest in restaurants and retail because the integrations, the margins, and the merchant-life dynamics reward focus.
Restaurants & QSR
POS-integrated processing, online-ordering fee recovery, dual pricing where the math works. Built for operators who need lower effective rates without changing every front-of-house workflow.
Retail & Specialty
Surcharge and dual-pricing programs that recover 100% of card-processing cost, paired with Spartan POS and modern terminals. For owner-operators who want a clean P&L on card revenue.
Processor partners ·
Hawthorn
Netevia
Luqra
Cliq
PayArc
Start Here
Upload your current statement. We'll show you what you're really paying.
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.