Payments That Actually Move
for Real Businesses
We architect merchant accounts, payment processing, and AI-powered fraud defense — engineered around your business model and live in days, not months.
- 90% of our work comes from referrals or returning merchants
- Live in days, not weeks — most accounts approved in 24 to 72 hours
- Zero cookie-cutter rates. Every merchant priced for your margins.
Sample Statement
Riverside Café · Restaurant
about $12,432 / year
Sample figures. Your real analysis is exact — upload a statement to see yours.
Analyze Your StatementSample Statement
Riverside Café · Restaurant
about $12,432 / year
Sample figures. Your real analysis is exact — upload a statement to see yours.
Analyze Your StatementBuilt Around Your Margins. Not Ours.
Payment processing shaped around how your business actually transacts — not what a single processor wants to sell. We expose every fee, shop 30+ banks, and put you on the rate that fits your volume, ticket size, and risk profile. Most merchants save the day they switch.
This isn't a menu. If your processing setup is unusual — high-risk, multi-location, omnichannel, recurring billing — tell us. That's where our best work happens.
Upload your latest merchant statement and our AI breaks down all 47 fee categories — interchange, assessments, processor markup, PCI compliance, batch fees, monthly minimums. You see exactly what you're paying and where you're being overcharged. No login, no credit card, no obligation. Just the numbers, in plain English.
Flat-rate processors hide their margin inside one big percentage. Interchange-plus separates the actual card-network cost from the processor's markup, so you see every dollar going to fees vs. profit. This single change saves most merchants 15-30% on their effective rate — without changing terminals, gateways, or workflow.
Modern fraud doesn't look like fraud. Our AI scoring layer evaluates every transaction across velocity, geography, BIN, device fingerprint, and historical pattern — flagging risk before authorization. Fewer chargebacks, fewer false declines, and the data trail you need when issuers ask questions.
We handle the entire transition: terminal reprogramming, gateway integration, recurring billing migration, and parallel testing — so the switch happens between batches, not between sales. Most merchants are live in 3-5 business days. Your existing hardware stays. Your customer experience doesn't change.
CBD, firearms, nutraceuticals, subscription, adult, debt collection, online gaming — verticals that traditional processors reject or shut down without warning. We have specialized sponsor banks that underwrite for risk profile, not boilerplate. Stable processing, transparent rates, and a real human if anything goes sideways.
30+ sponsor banks compete for your account.
We don't pick a processor for you. We make every processor fight for the right to process your transactions — then hand you the winning rate. The bigger the network, the lower the floor.
And 9 out of 10 don't know it. Our analyzer is the cheapest way to find out which group you're in.
Upload, scan, score. The AI returns a side-by-side rate comparison before you finish your coffee.
Independent, processor-agnostic, and constantly re-shopping your account so you never get rate-creeped.
How we treat your account
Every fee is exposed. Every rate is shopped. Every account gets a real human. No contracts, no surprises, no rate creep.
Real Humans
When you call, a person answers — someone who knows your account, your processor, and your history. No tier-1 scripts, no overseas call centers, no 4-day callback windows. You get the same direct line whether you're a $20K/month merchant or $2M/month.
Plain English
Every line item on your statement gets explained in normal language. Interchange, assessments, dues, batch fees, PCI non-compliance — we tell you what each one is, who keeps the money, and whether it's negotiable. No more guessing what you're actually paying for.
No Contracts
Month-to-month. No early termination fees. No 3-year auto-renewals. If we stop earning your business, you walk — no penalty, no fine print. The only thing keeping you with PayPro is the rate, the service, and the savings.
Rate Watch For Life
Processors quietly raise rates over time — pennies per transaction add up to thousands per year. We monitor every statement after you sign on, flag any creep, and re-shop your account whenever the market shifts. You don't have to think about it again.
What payment processing should feel like.
You know exactly what every fee on your statement means.
Your rate goes down over time, not up — because someone is actually watching.
When you call about a chargeback, a real person picks up and fixes it.
Switching processors takes 3 days, not 3 months — with zero downtime.
Fraud gets caught before authorization, not flagged six weeks later.
Here's exactly how it works.
Share Your Statement
Email or upload your latest merchant processing statement. We keep it 100% confidential — no login, no credit card, nothing shared with anyone outside our team. Takes less than 2 minutes.
Free. No login, no obligation.
01 / 04
Share Your Statement
Email or upload your latest merchant processing statement. We keep it 100% confidential — no login, no credit card, nothing shared with anyone outside our team. Takes less than 2 minutes.
Free. No login, no obligation.
We Compare 30+ Processors
Our team shops your account across 30+ sponsor banks and processors. We analyze 47 different fee categories — interchange, assessments, markup, batch, statement, PCI — to find every dollar of savings.
Average analysis returns in 60 seconds.
Review Side-by-Side
We show you exactly what you're paying now versus what you could pay — line by line, in plain English. No jargon, no surprises. You see the monthly savings clearly before any decision.
Yours to keep, even if you stay.
Switch & Save
We handle the entire transition: terminal reprogramming, gateway migration, parallel testing. Most merchants are live in 3-5 business days with savings on their very first statement. No contracts, cancel anytime.
Most merchants save the day they switch.
Merchants finally got an advocate.
Payment processing isn’t complicated by accident. It’s complicated on purpose — so you can’t tell when you’re being overcharged.
Your statement looks like a tax form. Your rate goes up every quarter and nobody warns you. Your processor says they can’t lower it — but somehow your competitor pays half as much. Every broker that calls promises savings, then disappears the day after they close you.
The merchants paying the lowest rates aren’t smarter than you. They just have someone in their corner.
That’s our job. We sit on your side of the table — shopping 30+ banks, exposing every fee, monitoring your rate for life. No contracts. No commissions paid by processors. No quiet rate creep. We make money when you stay because we earned it, not because we trapped you.
Here’s our handshake: If your effective rate doesn’t go down within 90 days of switching, we refund our setup work and walk you back to your old processor. No lock-in. No spin.
— Cary Decker, Founder
Real merchants, real savings.
Payments, Re-Engineered. By Design.
Every PayPro merchant comes backed by Haestus's in-house technology team. Haestus doesn't just build software — they architect AI-powered payment platforms tailored to your operations, fraud profile, and growth stage.
Real merchants. Real receipts. Real savings.
4.9 rating across 500+ merchants. The numbers below are annual savings — what they would have paid their old processor minus what they pay now.
“PayPro found $1,200 in hidden fees on my statement that I had no idea existed. The switch was seamless and my first month's savings covered the time investment ten times over.”
“After 3 years of paying 2.9% with Stripe, PayPro got me down to 1.8%. That's a 38% reduction. For my volume, it means I'm keeping an extra $2,100 every month.”
“The AI analyzer instantly showed me we were overpaying on interchange. Koby personally walked me through every line item. We're saving $847 monthly now.”
“I was skeptical about switching processors again, but PayPro found me rates I didn't think were possible. No contract, and I can leave anytime. That's confidence.”
“Finally, someone who explains payment processing in plain English. The comparison chart made it so easy to see where I was losing money. Highly recommend PayPro.”
“With our subscription model, every basis point matters. PayPro negotiated rates better than our volume would typically qualify for. Enterprise-level pricing for a startup.”
Side-by-side, in plain English.
Three ways to process payments. One that works for you, two that work against you. Compare what you actually get for what you actually pay.
Field notes from the floor.
What's actually moving on processor rates, where merchants are getting overcharged, and what to watch on your statement before next quarter.
The Five Hidden Fees on Every Merchant Statement. And How to Negotiate Each One.
A line-by-line teardown of PCI non-compliance, batch, statement, monthly minimum, and inflated interchange markup — what each one is, who keeps the money, and how to make it disappear.
Get notified when it drops
Join the merchant briefing.
Quarterly rate-creep alerts, processor industry news, and the hidden-fee teardowns no broker wants you to read. Built for restaurant owners, e-commerce founders, and operators who'd rather not hand 3% of revenue to the wrong processor.
Where merchants land after we shop their account.
Real ranges from real accounts after we re-shop the merchant statement. Your number depends on volume, ticket size, card mix, and risk profile. Your free analysis returns the exact figure in 60 seconds.
Small Volume
Under $25K/month in card volume.
- ─Single-location retail or service
- ─PCI compliance fees eliminated
- ─Flat-rate → interchange-plus
Mid Volume
$25K–$200K/month — the sweet spot.
- ─Everything in Small, plus:
- ─Custom interchange-plus pricing
- ─Same-day funding included
- ─AI fraud-defense layer
Enterprise
$200K+/month or multi-location.
- ─Everything in Mid, plus:
- ─Dedicated account strategist
- ─Multi-MID consolidation
- ─Quarterly rate audits for life
How we get paid
Zero fees from you. The processor pays us a residual when you save — so we only earn if your rate stays competitive month after month.
Lower rates start with a single statement.
Upload your latest merchant statement, send a quick note, or call us directly. You'll see your real savings number before any decision.