— Payments & Processing
You are already paying wholesale. You just aren't being charged that way.
Most processors bundle interchange, assessments and their own margin into a single blended rate — then quietly widen it. We unbundle it. Provident places your account on a cost-plus structure priced in basis points, so the network cost passes through untouched and the only negotiable number is our margin. You see the arithmetic every month.
At a glance
Wholesale processing rates, without the mystery fees.
- 0.00%
- Markup hidden in blended tiers
- 12–35%
- Typical reduction in effective rate
- 48 hrs
- Statement audit turnaround
How Provident works with you
Statement forensics
We rebuild your last three statements line by line — interchange, assessments, downgrades, PCI fees, batch fees, equipment leases — and show you exactly which dollars are network cost and which are processor margin.
Cost-plus in basis points
Your rate becomes interchange + a fixed, disclosed basis-point margin. When card networks adjust interchange, your pricing moves with it instead of quietly expanding.
Downgrade recovery
Mis-keyed transactions, missing Level II/III data and late settlements push transactions into punitive interchange categories. We tune your gateway and terminal configuration to keep transactions qualified.
Hardware and gateway fit
Countertop, mobile, pay-at-pump, kiosk, or hosted checkout — deployed and configured for your environment, with no equipment leases that outlive the equipment.
Typical provider vs. Provident Advisor Group
The engagement
- 1
Send statements
Three recent processing statements. Nothing else required.
- 2
Receive the audit
A written breakdown of effective rate, downgrade exposure and junk fees.
- 3
Review the proposal
Side-by-side cost model with your current provider, in dollars per month.
- 4
Switch or stay
If we can't beat it, we tell you. If we can, we handle conversion end to end.
Who this fits
- Restaurants and hospitality groups
- Gas stations and c-stores
- Retail and multi-location franchises
- E-commerce and card-not-present merchants
- Professional services with recurring billing
- B2B invoicing with Level II/III eligibility
Outcome
Merchants keep the same terminals, the same bank and the same customer experience — and stop funding a margin nobody disclosed.
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