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13+ Years in Merchant Services

Stop Overpaying for Credit Card Processing.

For 13+ years we've helped restaurants, food trucks, bars, and small businesses switch to true wholesale rates — and keep 20% to 90% more of every sale.

Free 10-minute statement review. No pressure, no strings.

13+ years in merchant services
Clients save 20–90% on processing
Free smart terminal with service
No long-term contracts. No auto-renewals.
The Honest Truth

Your statement is designed to confuse you.

If your merchant statement makes your eyes glaze over, that's not an accident. The fine print, surprise rate hikes, and auto-renew contracts are designed to keep you stuck.

Here's what most owners never get told: there are two layers to your card processing costs —

1

Wholesale cost (interchange)

The same for everyone, set by the card networks.

2

Markup

Whatever your provider tacks on top. This is where you're overpaying.

Most providers hope you never learn the difference. I lead with it.

Why Choose Us?

We're more than just a payment processor—we're your partner in business growth.

Transparent pricing with no hidden fees
Next-day funding for faster cash flow
Free Terminal Placement
Dedicated account manager
PCI-compliant security
24/7 customer support
Month-to-month contracts
Accept all payment types

The no-strings 3-step setup

No pressure, no contracts, no auto-renewals — just an honest comparison.

1

Send your statement

Snap a photo of your current merchant statement and send it over.

2

Get the honest numbers

I'll show you exactly what you're paying, line by line, versus wholesale. Takes about 10 minutes.

3

Switch only if it wins

If I can't beat your current setup, I'll tell you straight. No pressure either way.

BL

I'm Bryan Lee, The Credit Card Guy.

I didn't get into merchant services with a grand plan — I got in on a dare. That was 13+ years ago. Since then I've sat across the table from thousands of business owners and shown them, line by line, where their money was going.

I'm based in El Segundo, CA. Serving Businesses Nationwide. When you call, speak to me or one of my team not a call center with a script.

El Segundo, CA

Find out in 10 minutes if you're overpaying.

Send your statement. I'll do the math for free and show you exactly where you stand. Worst case, you confirm you're already getting a fair deal.

What Our Clients Say

Don't just take our word for it—hear from the businesses we've helped save thousands on payment processing.

Industries We Serve

Trusted payment solutions tailored to your industry's unique needs.

Ready to Get Started?

Get your free quote today and discover how much you could save on payment processing.

Get Your Free Quote

See exactly how much you'll save with our better rates

Your Business Information

$

Choose Your Pricing Model

Pay only Interchange + 0.50% markup + $0.10 per transaction. The most transparent pricing in the industry with no hidden fees.

Your Monthly Savings
$400.00
$4800.00 saved per year!
Cost Reduction
25.0%
Lower than your current processor
Effective Rate Comparison
Your Current Rate:3.20%
Our Rate:2.40%
vs. Major Competitors (Monthly Savings)
vs. Square:+$175.00
vs. Toast POS:+$189.00
vs. Clover:+$600.00
vs. Shift4:+$400.00
Fee Breakdown
Current Monthly Fees:$1600.00
Our Monthly Fees:$1200.00
Interchange Rate:1.80%
Our Markup:+0.50%
Per Transaction:$0.10
Ready to save $4800.00/year?

Get your free custom quote in 24 hours

Or call us now: 888-641-8910

đź’ˇ Note: These are estimated savings based on typical interchange rates and our competitive pricing. Your actual savings may vary. Contact us for a personalized analysis with exact rates for your business.

Call Us

Available 24/7

888-641-8910

Email Us

Response within 24 hours

Sales@TheCreditCardGuy.com

Visit Us

Serving businesses nationwide with local expertise