I had thought about switching credit card processors for a long time but had always been suspicious of companies who called me offering a deal too good to be true. I discovered CardFellow on an Internet search. An email exchange and call or two to Ben at CardFellow assured me I was working with someone I could trust. He patiently answered all of my questions, as well as educated me on the way credit card processing works. He gave me the confidence and support I needed to make the change and trust that everything would work out as well as it has. Once he explains everything and shows you exactly what your savings could be, he facilitates contact with the actual processor and makes sure the processor lives up to the terms promised.
We have been with our new processor approximately 6 months and are saving 35% to 40% a month on processing fees. The service has been excellent, as well. CardFellow also offers to audit our statements periodically to make sure fees have not changed and are as low as possible. I even got a bonus from the owner of the company I work for because of all the money the switch saved the company!
MARY, SPEECH AND OCCUPATIONAL THERAPY OF NORTH TEXAS
CardFellow works — plain and simple. A friend referred me to their site and we switched processors, saving us money on every transaction with very little effort to implement.
SETH, TRADE SHOW INTERNET
Real talk: it’s been utterly refreshing to work with CardFellow. They’re as passionate about payment processing as we are about fashion, and they’re as responsive, committed, and helpful as we strive to be with our own customers. Thanks for doing what you do. I can’t recommend you highly enough!
My husband and I own a small business and decided to change our credit card processor due to the outrageous prices we were paying. I found CardFellow online and submitted several statements for review. I was promptly contacted by Ben Dwyer. I was impressed with his desire to educate business owners to the exorbitant fees that most businesses are being charged by credit card processing companies. He spent time going over my statements and helping me to understand the various line charges, up front and hidden, on my bill. Right then and there I chose to sign on with CardFellow. Our business saved over $2000.00 in fees last year by changing companies. Fast forward to a year later; I just had a review of my statement and I am still getting the best rates available. Thank you CardFellow!
DANA, MOTO AUTHORITY
Our experience with CardFellow has been very positive. They say what they do and do what they say. Everything has been very transparent, which is more than can be said by most other companies in this industry. Thanks to CardFellow we have been able to find better credit card processing rates than we were finding elsewhere.
JARED, ADVANCED METAL FABRICATION & MACHINE
I am please with the continuous great rates and exceptional customer service that your company has provided me since day one.
ANDRE, TOP OF THE LINE TRANSPORT
I never really understood my merchant processing statement, which always managed to take another 1.5% of my gross sales IN ADDITION TO the 2% that was being discounted up front. It was just too confusing, and I was too busy to deal with it. Finally, I took a few minutes to Google “qualified, mid-qualified, and non-qualified” rates, which led me to an article written by Ben Dwyer of CardFellow. This article — along with a 30 minute online chat and then phone conversation with Ben — helped me make sense of how merchant processors pad their margins with essentially meaningless designations and opaque billing practices.
That 2% teaser discount rate quickly becomes 3-4% once the ten pages of incomprehensible fees and mark-ups on your merchant statement, which looks like it was printed in 1950, are added in. And when you call to ask for a lower rate, and your merchant processor quickly accommodates you, they simply start designating more transactions as non-qualified — their mark-up really doesn’t change! Ben explained this, and then explained interchange pricing + merchant processor mark-up. This is an incomparably more transparent and ultimately much less expensive form of merchant processing. You learn what Visa and MasterCard charge merchant processors, and how much they mark up for their services.
CardFellow puts you in touch with merchant processors who offer this form of pricing and you get to contact them (no solicitations). Choose the one you want, and begin working with a very attentive representative. I chose PayHub, which has been great, but there are other competitive options. They have been helpful from the very beginning and continue to respond quickly to any questions I have.
Here’s the bottom line: I went from around 3.4-3.5% to 2.5%, just as promised, effortlessly adding another 1% to my yearly profit.
Our company has accepted credit cards for over 25 years. During that time, we made attempts to get lower processing fees, but due to the opacity of the merchant account market, knew that better deals were probably available, but finding them and getting valid comparisons was very difficult and time consuming.
After our previous provider raised their fees, I began the research process, and found CardFellow.com. We selected an excellent, Interchange Plus rate quote from the many provided. We kept our existing payment gateway. The transition was painless. The reps at CardFellow.com and the merchant account provider are outstanding.
Bottom line is that we’re going to save over $10,000 per year in merchant fees.
If you want know that you’re getting the lowest merchant fees available for your business from a high quality merchant account provider with guaranteed rates, use CardFellow.com
TOM, HEARTMATH LLC
We run a plumbing service business. Our Merchant fees often reached $1000.00 per month or more. CardFellow pointed us to a provider that has saved us 65% our first month out. Thank you!
ANDY, WYATTWORKS PLUMBING
I’ve been looking at different credit card processors for several weeks. The various quotes from different companies were very difficult for me to not only understand but also to do an “apples to apples” comparison. It got to a point that I dreaded having to make a decision not knowing for sure what a good deal looks like. CardFellow solved that problem. What an awesome way to get quotes! I got quotes back in just a few seconds. Awesome site and service!
STAN GILLILAND, HI GORGEOUS, INC.
CardFellow has been exactly as described. They put me in contact with several different merchant service providers, and I was able to choose the one that gave me the best rate for my business. I saved myself time and money, along with not having to deal with high pressure sales and misleading information. Would highly recommend CardFellow to anyone looking to make a change and save money.
SANTIAGO RODRIGUEZ, AMERICA TRUCK DRIVING SCHOOL
We are so glad we found CardFellow on the internet. Finding a credit card processor is a very intimidating task and CardFellow was very hands-on through e-mails, phone calls, and information provided on their website. They explained card processing to us and helped us secure a great company to process our credit cards at extremely competitive rates.
BETH LOVE, CONSIGNMENT 1ST UNIVERSITY
Things went so smoothly with the processor we chose that we will be up and charging this afternoon. Thanks for thinking of such a great website – informative, precise, prompt and ended up saving us big money. If anyone is thinking about changing or applying for a new merchant account, they better start with CardFellow.
DON KAIN, KAIN LABEL
For several years I believed that we were not getting a very good deal with our processor. When I found out how bad it was I questioned my business decision making. In my defense, I am a one man shop and there is a limit as to the time and concentration I can spend when something is not “broke”. Then I found CardFellow. We got rid of “PCI Non Compliance fees”, PCI Compliance fees”, auto renewing 3 year terms with huge penalties, and saved almost half on our credit card processing bill each month. Although our business is up substantially this year, our processing fees are significantly lower. Thank you, CardFellow.
TOM DONALDSON, AQUATIC TRAINING INSTITUTE
CardFellow was a HUGE help in finding a new credit card processor. The education CardFellow provided was invaluable. I confirmed some of the information they provided with other sources, everything was 100% accurate. As I became better educated I quickly realized that we were paying more in fees than we should, like 100%+ more! So we have experienced significant savings. Customer service with CardFellow during the vendor selection process was superb. They responded quickly, and went out of their way to insure we had the information we needed.
The processor we chose was EXTREMELY helpful in getting the new account established. Our account was up and running in no time. All the terms and charges have been just as they promised. No surprises. We did have some questions initially, but customer service was the best with quick responses, a knowledgeable staff, and friendly. Even during the weekend!
CardFellow helped us short-cut the processor selection process. What a time saver! I’m absolutely pleased with the processor we chose.
JEFF TURNER, LIVING AYURVEDA
Thank you CardFellow for your excellent customer service and helping us understand credit card processors and what is/is not in our best interest. I would recommend your services to anyone and everyone!
SARAH FRAKES, TRAVELING TAP
I wish I had known about your company years ago. I could have saved thousands in processor fees. You have the best customer service around. Thank you!
LYNN BORZILLO, NEW ENGLAND ACUPUNCTURE AND INTEGRATIVE THERAPIES
Thanks so much for your help in guiding us toward credit card processing that doesn’t cost an arm and a leg, and whose statements are easy to understand. I got a lot of useful information from your website. I knew for a long time we were paying too much, but was intimidated by the fear that I did not know enough about the process to find another company who I could trust would treat us fairly. When I started to look at reviews on the internet, I quickly realized that the reviewed companies were also advertising on the website! How unbiased could they be? So I looked harder and was fortunate to find CardFellow. After studying the 101 Tips and other articles, I felt confident enough that I had done my homework to present this alternative to the boss. We are now spending half as much as we were before, the service from the company we chose has been outstanding, and our funds are available the next day. I have been delighted to recommend CardFellow to a couple friends who are also in business.
MONICA JARESS, SUNLAND BARK AND TOPSOILS
Upon realizing our ignorance on pricing and services in the credit card processing industry, we decided to do some research. CardFellow popped up on Google and looked too good to be true – a company that provides multiple quotes, sets everything up, and reviews my paperwork, all for free? You’d better believe it! CardFellow more than surpassed our expectations and helped us get a great deal on our credit card processing. We’ve been saving hundreds of dollars every month and couldn’t be more pleased with their service. We’ve already recommended them to several of our business partners and will continue to do so.
ZACH KOOPS, TRADESHOWDIRECT
In mid 2011, we became dissatisfied with our credit card processor namely because of their deteriorating services and increasing prices, so I searched the web and lucked upon the CardFellow web site. I was immediately impressed with the professionalism, patience and care which the folks at CardFellow provided. I was not very knowledgeable about how the whole credit card processing system worked, but they quickly educated me. Together we narrowed our search down to three processors which seemed quite competitive and then we zeroed in on and switched to the one which seemed most suited to our needs.
Bottom line: Thanks to CardFellow, over the past year I estimate we saved over one percent in our card processing fees for a total annual savings of somewhere between $3500 to $4000.
Keep up the good work and great services.
BILL SHINMORI, SHINMORI OPTOMETRY
Just a quick note to say THANKS!
For years I was convinced that my processing through Costco could not be beat, because cold calling salesmen often hung up when I told them who I processed through. After my first 6 months using my new cost plus deal, I have saved a bunch and I couldn’t be happier!
SCOTT B., THE WATERS INN
When we set out to build our new websites, we unknowingly also took on the task of finding a new credit card processor. After weeks of research we found CardFellow.com.
We were considering three companies, and you might have gathered by now that we went with CardFellow’s recommendation. The other two companies were our local bank’s recommendation and a major processor where I personally knew one of the top people. That “inside” quote was tiered, so I threw it out immediately. The other was very competitive, but the quote through CardFellow was lower, and I knew that I had unparalleled access to CardFellow’s expertise.
We have been with our new processor for the better part of a year now, and I know that making this change is the most important decision I’ve ever made for our business. The money we’ve save each month (hundreds) has provided us a buffer that has allowed us to stay afloat in this rough economy. Had it not been for the savings we would have been forced to cut our staff, and I would be running the register instead of growing the business.
I’m very happy with my decision, and I take every chance I get to highly recommend CardFellow.
WALT C., RED DOG PUBLIC SAFETY OUTFITTERS
We have been working with credit cards for over a decade, and I always chafed over the fact that it was very difficult to negotiate and shop for rates. Even when you did decide on a particular processor, it was virtually impossible to audit their charges. I particularly noted that the banks had become a virtual partner who experienced negligible risk in our case, had zero operational costs, and took the top three percent of my GROSS. If you were a tight profit margin business, they could actually be the majority profit partner. If you lost money that month, they still took the three percent.
I have long been looking for CardFellow. Someone who understood the myriad factors involves in this process, could negotiate on my behalf for processing rates, could insulate me from processor “contract creep,” and would audit my account to insure compliance with the above. For no cost! It’s almost too good to be true.
CardFellow provided the fishing pole with its efficient web interface, and I threw my hook in the pond. I got nibbles, then stronger nibbles, then a whopper! We’re hooked up with a new processor. Other than owning a bank that issues credit cards, it’s the easiest money you’ll ever make. If you have financial responsibility for an organization that accepts credit cards, and you don’t fish in CardFellow’s pond, you better go back to just cutting bait.
JACK PRICE, CFO, WP-ORG
My experience with CardFellow.com has been amazingly positive every step of the way. It’s a quick and easy process that’s actually understandable. CardFellow made sure that my business secured the best rates possible, while also making sure that there were no unnecessary fees. Looking at my statements prior to CardFellow was a negative experience every month because I knew I was being unnecessarily robbed, and even worse I felt powerless to stop the robberies. Now I look forward to opening my statements and the credit side of the business has become positive and enjoyable again.
Every business owner owes it to themselves to look at CardFellow. They have everything to gain and nothing to lose.
DUKANE KUEBLER, DUKANE SKIN CARE INC.
You guys are truly a class act, I’m proud to do business with you.
JEFF CARNEAL, BEECHTALK
After 10 years of feeling under-represented as a merchant and generally disillusioned about the state of merchant services and how the industry treats the merchants, we found CardFellow… and without exaggeration, it completely changed our outlook on the subject.
The platform that CardFellow.com designed to quote rates and present offers by merchant service providers is nothing short of revolutionary for the industry. Yet, it’s so simple, easy to use, and totally comprehensive. It boasts transparency, yet preserves merchant privacy. It fosters a system that only allows the use of best practices by merchant service providers and incentivizes them to start with their lowest offers. Then, it allows merchants to engage in real negotiation directly with merchant service providers, but only if the merchants are willing and ready.
CardFellow scrutinizes its merchant service provider partners and has designed a system that holds them easily accountable for their promises, forever! CardFellow.com is nothing short of an unwavering merchant advocate, perhaps even a merchant activist — however, and this is truly miraculous, merchant service providers love them, too! That’s because CardFellow’s process qualifies the merchants; what’s more, it educates them.
For the most competitive, fair-minded, and progressive merchant service providers, CardFellow, no doubt, provides them with a steady stream of qualified leads. CardFellow’s contribution to the merchant services industry is groundbreaking; it gives power back to the merchant (the customer), while rewarding merchant service providers who run their businesses fairly, competitively, and progressively.
Oh, and — IT’S FREE!
Check out CardFellow’s case study about SeriousShops.com.
ADAM MOORE, SERIOUSSHOPS.COM
Great site to get competitive, fast rate quotes for merchant services using interchange-plus pricing structures. If you are paying in aggregate over 3% in the USA, you are paying way too much! I am using them for my retail site www.brydenroad.com.
Chris Daly, The Bryden Group, LLC.
Recently Be the Star You Are!® charity was charged extra fees for our credit card merchant services. After searching for help, CardFellow® helped Be the Star You Are!® understand the issues and find a processor with better rates. What we learned is that credit card processers entice customers with rates that seem lower than they actually are. So when you see mid or non-qualified surcharges on your business’s monthly statement, you’re probably overpaying for processing services. CardFellow helped us, and the representatives at CardFellow® can help you understand credit card processing fees, and then they’ll show you the solution that’s best for your business.
CYNTHIA BRIAN, BE THE STAR YOU ARE!
Our previous card processor had been sending us monthly statements that were indecipherable to us. We knew we were overpaying, but could not see exactly where the excess charges were coming from. In shopping around for a new processor, we were bombarded with high pressure phone calls and we were presented with contracts that did not match the sales pitch. For the most part, the sales people apparently had no idea what the contract they were asking us to sign was actually saying.
When we came upon the CardFellow site, although skeptical at first, we were impressed with its straight forward approach and its policy of interchange-plus only pricing. CardFellow answered all our questions quite satisfactorily and with great patience. In a few cases he was able to get the processor to make a few changes in the contract to satisfy our concerns.
In an age, where we often come upon less than satisfactory business practices, and inept and unresponsive service, I am happy to say we were quite pleased with all our dealings with CardFellow.com. I therefore recommend CardFellow.com to anyone looking for a reputable company to help them find the right credit card processor — and do so both enthusiastically and unreservedly.
LOUIS LIEBERMAN, AQUA-RESIN
My experience with CardFellow was powerful and it exceeded my expectations. CardFellow took it a step further by helping me make an educated decision by working through profit analysis. I’m very comfortable with recommending their services.
GREG SHEET, TERRY SHEETS OPTICAL
After one full month of switching to a new processor from cardfellow.com, I saved $65 compared to what I was paying on average with my previous credit card processor. And this was with a slower month than our usual amount! I am looking forward to keeping another $1000 in my pocket and not paying it to my former processor.