Payment Processing

Small businesses overpay by 20-30% on credit card fees. Let's fix that.

Payment processing
21%
Average Savings
$4,200
Saved per $1M Business
400+
Hidden Fees We Eliminate

The Hidden Cost of Processing Fees

Credit card processing is deliberately confusing. Providers quote "2.9% + $0.30" but the effective rate small businesses actually pay is 3.5-4.2% once all fees are included. These hidden costs include interchange++, PCI compliance fees, statement fees, batch fees, and dozens of other junk charges.

A business processing $1M annually pays $20,000 in credit card fees - but could pay just $15,800 with transparent, negotiated rates. That's $4,200 annually going to payment processors instead of your business.

How Coop Reduces Processing Costs

Volume-Based Negotiation

By aggregating $100M+ in annual transaction volume, we negotiate interchange+ pricing at 0.20-0.30% markup versus the 0.50-1.00% small businesses pay individually. This alone saves 15-20% on your effective rate.

Fee Elimination

We eliminate 30+ junk fees: PCI non-compliance ($150/year), monthly minimums ($25/month), statement fees ($15/month), batch fees ($0.10-0.25 per batch), and annual fees ($99-295/year). Total savings: $600-900 annually.

Statement Auditing

Our automated platform reviews every monthly statement for billing errors, rate creep, and unauthorized fee increases. We've recovered $2.3M in overbilling for our member businesses over 2 years.

Equipment Savings

Skip the $50-150/month terminal rental fees. We provide free modern card readers and POS systems through our processor partnerships, saving $600-1,800 annually.

Real Savings for a $1M Business

Current Annual Processing Fees $20,000
Interchange+ Rate Reduction (17%) -$3,400
Junk Fee Elimination -$750
Equipment Cost Savings -$1,200
Annual Savings $5,350

Based on $1M revenue with 60% credit card acceptance (2% effective rate)

Payment Services We Optimize

Card Processing

Visa, Mastercard, Amex, Discover

Online Payments

E-commerce gateways, invoicing

POS Systems

Point-of-sale hardware and software

Mobile Payments

Tap to pay, mobile card readers

Stop Overpaying on Processing Fees

Join small businesses saving 21% on credit card processing

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