Contingency-Based Fee Reduction
Lower Your Credit Card Processing Fees.
Same Provider. Same Setup.
We audit your merchant statements, negotiate directly with your current processor, and only get paid when you save. No switching. No upfront cost. No disruption to your business.
Takes 15 minutes. No obligation. You only pay a share of what we save you.
ARE YOU OVERPAYING?
Most Businesses Are Paying More Than They Should — And Don't Know It
Credit card processing statements are built to be confusing. Blended rates, hidden markups, junk fees, and pricing that quietly creeps up over time — most business owners have no reasonable way to know if their rate is fair, or how to push back if it isn't.
You don't have time to become a payments expert. That's the point of Sova — we already are one.
Merchant Statement Audit
This graphic is for illustrative purposes only. Actual results may vary.
HOW IT WORKS
Once your new rate is in place, we confirm the savings together. As outlined in your service agreement, our fee — a percentage of your first-year savings — is then invoiced. Nothing upfront, and nothing owed if we don't deliver real savings.
You Approve, Savings Applied
01
Step 1 — Review
We Audit Your Statements
Send us your recent processing statements. We review your rates, fees, and pricing structure line by line, at no cost, to identify exactly where you're overpaying.
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Step 2 — Negotiate
We Contact Your Provider — Not You
With your authorization, we go directly to your current processor and negotiate better pricing on your behalf. You keep your existing provider, your equipment, and your setup exactly as it is.
03
Step 3 — Confirm Your Savings
You Approve, We Get Paid a Share
Once your new, lower rate is in place, we confirm the savings with you. Our fee is a percentage of what you actually save in the first year — nothing upfront, nothing if we don't deliver.
ESTIMATED SAVINGS CALCULATOR
How Much Could Your Business Save?
Disclaimer: Estimate based on typical industry savings of 0.20%–0.60% of processing volume for businesses moving off legacy pricing. Actual savings depend on your current setup and are confirmed during your free statement audit.
WHY WORK WITH US
We Only Win When You Win
No Upfront Cost
There's no cost to have your statements reviewed, and we don't take a share unless we find and secure real, verifiable savings for your business.
No Switching Required
We're not selling you a new merchant account or hardware. You stay with your current provider—we just make it cost less.
Aligned Incentives
Our share is a percentage of your actual savings. We're not paid for effort — we're paid for results, in your first year of savings only.
On-going Monitoring
We continue to audit your statements throughout the year to protect against quiet rate creep and sneaky processor price hikes.
ABOUT SOVA
Payment Processing Expertise, Working for You — Not the Processor
Thank you for exploring Sova and trusting me with one of the most critical functions of your business, getting paid for the goods or services you provide.
I've worked in payments for nearly two decades, and most of that time was spent at Visa, the world's largest payment network. My career has taken me from small independent operators to multinational corporations, helping them optimize their payment processing setup, pricing, and flow of funds. That experience gave me a rare vantage point, allowing me to see how pricing actually works across multiple processors and pricing models, not just one company's version of it.
That's the perspective I bring to every business I work with, no matter the size. Processor statements are dense and hard to read, and most owners simply don't have the time or background to dig through them line by line. I do. Nearly two decades of doing exactly that means I can quickly spot where a business is overpaying.
Sova is named after the Slavic word for the watchful owl. It's built around a simple idea: keep your existing system exactly as it is and put my experience to work for you negotiating your pricing on a zero risk, contingency basis. Then I'll personally keep a watchful eye on your account, so you don't have to.
I'd be glad to take a look at yours.
FAQs
Common Questions
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No. We negotiate directly with your current provider so you keep your existing setup, systems and merchant account. Nothing changes operationally on your end.
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Nothing upfront. Our share is 30% of the savings we secure for you in the first year. If we cannot find and negotiate savings for your business, then you owe us nothing.
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As part of our engagement, you sign a limited authorization letter that allows us to speak with your processor specifically about your account's pricing, markups, and fee schedules — nothing broader. You stay fully in control and approve any changes before they are final.
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Most statement reviews are completed within 1 to 2 business days. Once we identify savings opportunities, negotiating with your processor typically takes 1 to 2 weeks depending on your processor's account desk response speed.
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Your savings — and our share — are based on your actual monthly volume, not a fixed estimate. If your volume grows, the rate improvement we secured is saving you money on more transactions, so the value delivered (and our share of it) grows proportionally. If volume shrinks, the same logic applies in reverse. Either way, you're only ever paying a share of real, measured savings — never a flat fee unrelated to your actual results. We monitor your statements quarterly throughout your first year to catch any rate creep. If your processor quietly raises rates back toward where they started, we renegotiate at no additional cost to you.
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Absolutely. We use 256-bit encrypted secure file storage. We only analyze transaction rate summaries and fee tables; we never ask for or store sensitive customer credit card numbers or banking passwords.
GET STARTED
Get Your Free Statement Audit
Find out how much you could be saving. No obligation, no cost, no commitment
Maximum 5 files per submission. Each file must be 10 MB or less.
We'll review your statements and follow up within 1-2 business days with what we find.