01
Hidden markups
We separate card-brand costs from the processor's markup so you can see what you are actually paying for.
Merchant processing rate negotiation
Stop overpaying to get paid.
We negotiate with your existing credit-card processor to lower your processing costs—without forcing you to switch providers, replace equipment, or disrupt your business.
✓ Stay with your provider first✓ No reduction, no fee✓ One-time success fee
You keep the savings.Month after month after month.
Why merchants call us
Your processing statement may be costing you more than it should.
Rate increases, padded markups, and unnecessary fees can hide inside a statement that looks normal. We find the real cost and give your provider a reason to improve it.
02
Fee creep
Small increases and added charges can quietly inflate your effective rate over time.
03
Switching friction
New terminals, integrations, contracts, and retraining make switching painful. Our first move is to negotiate where you are.
A clearer way forward
Lower rates. Same provider.
You keep running your business. We handle the statement analysis and the negotiation.
01
Send 2–3 recent statements
We review your pricing model, markup, transaction mix, and avoidable fees.
02
See whether savings exist
We identify the realistic opportunity and explain the headline savings in plain English.
03
Authorize Rate Rescue
If you want us to proceed, a simple one-page agreement allows us to negotiate on your behalf.
04
Your provider papers the reduction
We push for a written rate agreement, addendum, revised fee schedule, or other written confirmation.
05
You keep the ongoing savings
Our one-time success fee equals 100% of your projected average monthly savings. Your actual savings may be higher or lower from month to month, and you keep all ongoing savings after that.
Simple success-based pricing
No reduction. No fee.
You pay only after your provider puts the reduced rates in writing. Our one-time fee equals 100% of your projected average monthly savings, calculated from representative processing statements. Actual savings can be higher or lower each month as your sales and transaction mix change.
Average projected savings: $500/month→Pay $500 once→Keep all ongoing savings
Find out what you could saveBuilt from more than a decade inside merchant services.
About Rate Rescue
Experience turned into merchant advocacy.
Rate Rescue was founded by Adrian Musial following more than a decade of experience in the North American merchant-services industry and tens of thousands of processing-statement reviews.
That experience revealed a recurring problem: even when processors claimed to be saving merchants money, significant additional savings were often still being left on the table. Over time, rates and added fees could also quietly increase, gradually eroding the savings merchants were originally promised.
Rate Rescue was created to give businesses across Canada and the United States a different option. Instead of immediately asking merchants to switch processors, we analyze their current pricing and negotiate with their existing provider first.
Our experience has helped thousands of businesses better understand their processing costs and identify opportunities to save. We understand how processors structure their pricing, where unnecessary costs may be hiding, and how to push for more competitive terms.
Why Rate Rescue
A better deal without unnecessary disruption.
Experienced merchant advocacy, a provider-first negotiation strategy, and pricing built around measurable results.
We work for the merchant
Rate Rescue is an independent merchant-processing cost consultant. Our job is to examine your current pricing, identify unnecessary costs, and advocate for your business—not your processor.
Keep what already works
Our first approach is to negotiate with your existing provider. That means you may be able to lower your costs without changing equipment, rebuilding integrations, retraining employees, or signing with a new processing company.
Experience across Canada and the United States
We understand the processing models, statement structures, fees, and sales practices commonly used throughout both the Canadian and U.S. merchant-services markets.
No reduction, no fee
You pay Rate Rescue only after your processor agrees to reduced pricing in writing. If we cannot secure a reduction, you owe us nothing.
Free initial review
Let's see what your processor isn't telling you.
Tell us a little about your business and attach 2–3 recent processing statements. We'll review them and contact you about any savings opportunity we find.
Email: admin@myraterescue.com
Phone: (289) 224-5213
What is on a merchant statement?
Merchant-processing statements generally do not show full customer card numbers. They primarily show your card mix, processing volume, pricing model, processor markup, and added fees. If you prefer, black out your business name, address, and merchant ID before uploading. Once those details are removed, the remaining pages are essentially the pricing and transaction data we need for the review.