Free processing fee review for OKC-area businesses doing $5,000+ a month
Lower your processing fees in Oklahoma City.
Most business owners never see their real processing rate. Find yours in 30 seconds.
Send us your most recent processing statement. A local merchant specialist will show you, in writing, exactly what those same sales would cost on our wholesale platform pricing. Free, no obligation, and no pressure to switch.
- Based in Oklahoma City
- Any processor: Square, Clover, Toast, your bank
- Review in writing, yours to keep
- Flat-fee option, price-locked 48 months
Processing rate calculator
Grab last month's statement or processor dashboard. Both numbers are on it.
Effective rate = total processing fees ÷ total card volume. Nothing you type here is saved or sent.
Where the money goes
Why processing fees cost more than you think
Most owners know their sales to the dollar. Far fewer know what percentage they actually pay to accept cards.
Flat rates charge every card the premium price
A basic debit card costs the networks far less to process than a premium rewards card. On a flat rate you pay the same either way, and the difference stays with your processor.
Extra fees stack on top
Monthly, statement, PCI, batch and "non-qualified" fees can sit on top of the rate you were quoted, so the rate you really pay ends up higher.
Rates go up quietly
Square raised its online and invoice rate from 2.9% to 3.3% in January 2026. Increases like that are easy to miss on a busy month's statement.
Two ways to stop overpaying
Lower rates, or a flat-fee cash discount program
Your free review shows what each option would cost your business, side by side, so you can pick the one that fits.
Wholesale platform pricing
Keep covering card costs yourself, just at a fair price. You pay the true network cost of each card plus a small, disclosed markup, instead of a one-size-fits-all rate.
- Best if you'd rather not change your prices
- Your rate follows your real card mix
- A statement you can actually read, line by line
Cash discount program
Your posted prices become your card prices, and customers who pay cash get a 4% discount. Card costs are covered at the register, and you pay one flat monthly fee instead of a percentage of every sale.
- One flat, predictable monthly fee
- Price guaranteed not to change for 48 months
- Signage, receipts and terminal setup handled for you
On Square?
See exactly what Square charges in 2026, rate by rate, and how wholesale platform pricing compares.
Three steps, about ten minutes of your time
How our free processing fee review works
Tell us about your business
Fill out the short form below. We'll reach out and ask for your most recent monthly statement, which you can download from your processor's dashboard or find in your email.
We break down every fee
We line up what you paid against what the same sales would cost on our wholesale platform pricing, card type by card type, then book a time with you this week to walk through it.
You decide, with real numbers
If the savings are worth it, we handle setup in person at your location. If they aren't, we'll tell you so, and you keep the report.
Local, not a call center
Credit card processing across the Oklahoma City metro
When something goes wrong on a Friday night, you need someone who answers. Expert Merchant Solutions provides merchant services and credit card processing to businesses in Oklahoma City, Edmond, Norman, Moore, Yukon and across the metro, face to face.
- Oklahoma City
- Edmond
- Norman
- Moore
- Yukon
- Mustang
- Midwest City
- Del City
- Bethany
- Choctaw
- Piedmont
Credit card processing fees FAQ
How do I find my effective processing rate?
Divide last month's total processing fees by last month's total card sales. If you paid $540 in fees on $18,000 in card sales, your effective rate is 3.0%. The calculator at the top of this page does the math for you.
What is wholesale platform pricing?
With wholesale platform pricing, you pay the actual card-network cost of each transaction plus a fixed, disclosed markup. Debit and basic cards cost less to process than premium rewards cards, so your rate follows your real card mix instead of one flat number.
Which processors can you compare?
Any of them, including Square, Clover, Toast, Stripe, PayPal and bank processors. If you get a monthly statement, we can review it.
What is a cash discount program?
Your posted prices are your card prices, and customers who pay with cash get a 4% discount. Card costs are covered at the register, and you pay one flat monthly fee, price-locked for 48 months, instead of a percentage of every sale.
Is a cash discount program allowed in Oklahoma?
Yes, when it is set up correctly. Discounts for paying cash are allowed under federal law, but the program has to be a true cash discount with clear signage at your entrance and register and disclosure on receipts. We set all of that up for you.
How long is my price guaranteed?
For 48 months, with our price lock guarantee. Can your current processor guarantee it won't raise your rates in the next 12 months?
Is the review really free?
Yes. You get a written comparison whether or not you ever switch. There is nothing to sign to get it.
Do I have to switch to get a review?
No. If you do switch, we'll walk through exactly what changes at your counter, online and in your reporting before you commit, so there are no surprises.
What if you can't save me money?
Then we'll say so. Some businesses are already on a good deal, and you deserve to know that too.
Find out how much you're overpaying.
A few quick fields. We'll be in touch within one business day to get your statement and start your review.
Rather talk now? Call or text (405) 373-8254