MERCHANT PROCESSING, DECODED
RateKillers calculates your true effective rate, shows you exactly what you're overpaying, and onboards you to a better deal. No contracts. No gimmicks.
01 / THE PROBLEM
Your processor doesn't want you to understand your rate. Here's what they're hiding.
Processors bundle transactions into "qualified" and "non-qualified" tiers, hiding their real markup inside each one. You never see the actual interchange cost.
Monthly statements are deliberately complex. 90% of merchants can't calculate their actual effective rate from the numbers shown.
Low introductory rates quietly increase over months. By the time you notice, you've overpaid thousands. They literally count on you not checking.
Switching processors takes 3–7 business days of paperwork. They count on your inertia to keep you locked into a bad rate forever.
02 / HOW IT WORKS
From overcharged to optimized in 24 hours. No 20-page applications, no waiting on hold.
Upload your latest processing statement or enter your monthly volume and average ticket. We calculate your true effective rate in seconds, not the number your processor shows you.
See a side-by-side comparison: what you're paying now versus what you'd pay with transparent interchange-plus pricing. No tiers. No bundles. No fine print. Just the real number.
One application. Automated onboarding. You're processing at your new rate within 24 hours. If we can't save you money, you don't switch. Simple.
03 / RATE CALCULATOR
The free tool that exposes what your processor is hiding. No sign-up required.
Adjust the sliders or type directly in the fields.
Don't know your rate? Use this formula: Total monthly fees ÷ Total card sales × 100
Estimates based on typical interchange-plus pricing. Your actual savings depend on card mix, ticket size, and current processor contract.
04 / REAL RESULTS
These business owners took 10 minutes to find out their real rate. Here's what happened.
"I thought I was paying 2.4%. Turns out my real effective rate was 3.6% after all the hidden fees. RateKillers laid it out plain and switched me over in a day. I'm saving over $800 a month now."
"My old processor had me on tiered pricing and I had no idea how much I was losing. Joe walked me through my statement, showed me exactly where the padding was, and got me on interchange-plus. Night and day."
"We run a busy pizza shop. Processing 40-50K a month in cards. Shaved almost a full point off our rate. That's real money for a small shop. Whole switch took less than 24 hours."
"As a SaaS company, our recurring charges were getting eaten by processing fees. RateKillers found $6K in annual savings I didn't even know I was leaving on the table. The rate calculator alone is worth it."
05 / WHO IT'S FOR
RateKillers works for any business processing $5K+ per month in credit card payments.
Tell us about your business and we'll calculate your true effective rate, show you where you're overpaying, and give you a transparent pricing comparison. Takes 2 minutes.
We'll get back to you within 24 hours.
No contracts. No credit card required. Just your real rate.
06 / WHO'S BEHIND THIS
Founder, RateKillers — 10+ Years in Payment Processing
After a decade selling merchant accounts for companies like Wholesale Payments, Priority Payments Alliance, and OpenEdge, Joe kept running into the same problem: merchants had no idea what they were actually paying. Statements were built to confuse. Processors hid markup inside tiered pricing. And when merchants tried to switch, the paperwork wall kept them stuck. RateKillers is the tool Joe wished existed years ago. A way for any merchant to see their real number and do something about it, fast.
07 / FAQ
Built by a decade-long payment processing veteran who got tired of watching merchants overpay. Transparency shouldn't be a feature. It should be the default.