Most businesses overpay to accept cards. We fix that.
We are not a processor. We are the agent that makes processors compete for your business. Send one statement — in 4 hours we name every fee you pay, take your account to the market, and bring back the best deal available to a business like yours.
- ⚡ Answer in 4 hours, not 24
- ✓ We work with every provider, not one
- ✓ Costs you nothing — the provider pays us
- ✓ Open 24/7 · 1-888-705-7896
One call. Every processor shopped. The best deal on the market, brought to you.
Illustrative example based on a typical retail statement. Your result depends on card mix, ticket size and volume.
Hardware, gateways and platforms we deploy
EVERY PROCESSOR.
ONE FIGHT.
YOUR SIDE.
We are the agent that makes the market bid for your account. They compete. You collect. And while you read this, North American merchants keep feeding the machine:
Industry estimate. Your share is the part we go get back.
Find the money. Save the money. Make more money.
Every CELER account runs through the same three steps. No step is optional, and none of them cost you anything to start.
We find it
Your statement gets read line by line by a human, not a calculator widget. We identify every fee, name who collects it — processor, acquirer, card brand, gateway, reseller — and flag which ones are pure margin.
See what the analysis coversWe make the market bid
Your profile goes to the processors, acquirers and gateways we work with, and they compete for it. You see every offer that came back — including the ones we did not recommend, and why.
Why an agent beats a repYou grow on it
Modern POS, tap to pay, invoicing, recurring billing and eCommerce — deployed and integrated with the software you already run, with a named expert on your account instead of a ticket queue.
Explore payment toolsOne provider for every way your customers pay
In store, on the road, over the phone, on your site, on a recurring schedule and straight from a bank account.
POS systems
Countertop systems with inventory, staff permissions, reporting and integrations — sized to your business, not upsold to it.
POS systemsPayment terminals
Countertop, wireless and long-range terminals. Tap, chip, swipe, Interac, Apple Pay and Google Pay out of the box.
Payment terminalsTap to pay on phone
Turn the phone in your pocket into a contactless terminal. No hardware, no rental, no waiting on a shipment.
Tap to payeCommerce & gateways
Shopify, WooCommerce, BigCommerce, Magento or a custom API — with smart routing that lifts authorisation rates.
eCommerce paymentsInvoicing & virtual terminal
Send a branded invoice, take a card over the phone, or drop a pay link in a text. Money lands next business day.
Invoice softwareRecurring & ACH
Memberships, retainers and subscriptions with automatic card updater — plus ACH and EFT rails for large invoices.
Recurring billingYour number, in about 60 seconds
Move two sliders. We estimate what a well-structured account should cost you and what you are likely leaving on the table every month.
The calculator uses the same effective-rate maths our analysts use on a real statement. It is an estimate — the statement analysis is the exact number.
Effective rate = total monthly fees ÷ total monthly volume. It is on your statement, and it is the only number that matters.
Solutions for every kind of merchant
Every industry has its own fee traps. Pick yours and see the specific ones we look for.
What merchants say after switching
“We'd been on the same setup for six years and never once had anyone re-price it. CELER sent the analysis in three hours, showed us two competing offers, and the switch took four days.”
“Nobody had ever mentioned Level III data to us. That one configuration change was worth more than every rate negotiation we'd tried on our own.”
“Flat rate was fine when we were small. At $60K a month it wasn't. They showed me the math side by side and let me decide — no pressure, no lock-in.”
“Kept the same Clover hardware, changed what was behind it. Zero downtime — they cut us over on a Tuesday morning between rushes.”
“Service en français, la Loi 25 réglée, et le taux effectif est passé de 3,1 % à 2,3 %. L'analyse est arrivée le jour même.”
“They put three quotes on the table and told me which one they'd take and why — including the fee lines the others buried. First time anyone in this industry showed me the losing bids.”
“Failed membership payments were our silent killer. The account updater they set up recovered more revenue than the rate cut did.”
“Massachusetts doesn't allow surcharging, and they knew that before I asked. Got us a compliant cash-discount setup instead of the program everyone else kept pitching.”
“Our authorization rate went up two points after they re-did the gateway config. On our volume that's worth more than the fee savings, and the fee savings weren't small.”
“On a $9 average sale, the per-transaction fee is everything. They repriced the debit side per item and the statement basically shrank in half.”
“Tap to pay on our techs' phones, deposits collected on the driveway, big invoices routed to ACH. Money shows up next morning.”
“Réponse en quatre heures comme promis. Le double affichage est conforme, l'Interac est facturé à la transaction, et on comprend enfin notre relevé.”
“Three clinics, three different rates, nobody could explain why. Now one consolidated account, one number to watch, and a human who answers at 9pm.”
“The analysis flagged $312 a month in fees with names I'd never read out loud. They were right about every line, and the new provider matched what was promised.”
“Small-town store, big-city pricing problem. Four hours after I emailed a statement I had the breakdown, and a week later I had a better deal than my bank offered in nineteen years.”
“Honest answer up front: our old pricing was already decent. They found the win in failed-payment recovery and chargeback prevention instead, and only then re-shopped the rate.”
“B2B invoices were all going on corporate cards at full freight. Level II data plus an ACH option on the invoice — our controller thinks they're wizards.”
“Seasonal business, and every fixed monthly fee used to hit hardest in February. They stripped all of them and set the account up around our actual year.”
Illustrative examples showing typical switching outcomes — being replaced with verified client reviews. Prior-provider names identify where merchants came from; no affiliation implied.
What lands in your inbox
- Your true effective rate, calculated three ways
- Every fee named, with who collects it
- The lines that are negotiable and the ones that are not
- A side-by-side of your current cost vs. a correctly structured account
- The dollar difference per month and per year
- No obligation to switch — it is yours to keep either way
Start with the number nobody has shown you
Processing statements are designed to be hard to read. Bundled tiers, vague "service" lines, pass-throughs that are not really pass-throughs.
Our analysts read hundreds of these a month. They know which fees belong to the card brands and are genuinely fixed, and which ones exist purely because someone decided you would not notice.
You get the answer in under 4 hours, in plain language, with the maths shown.
Credit card processing, answered straight
Divide total fees by total volume on your monthly statement — that is your effective rate. Most small businesses land between 2.6% and 3.5%. Well-priced accounts on interchange-plus usually run 2.1% to 2.6% for card-present retail. Anything above 3.2% on in-person volume almost always has recoverable cost in it.
Yes. You send one recent processing statement, we return a line-by-line breakdown inside 4 hours showing every fee, who collects it, and which lines are negotiable. There is no contract, no obligation and no charge — you can take our analysis to your current provider if you want.
Usually not. We integrate with most major POS platforms and gateways. If your hardware is locked to your current processor, we will tell you before you commit and show you the cost either way.
Nothing up front. Account setup is free, we reimburse documented early-termination fees up to $1,000, and terminals arrive pre-programmed. The only real cost is the 15 minutes it takes to sign the application.
Next business day funding is standard on approved accounts, with same-day options available on qualifying volume. Cut-off times and weekend behaviour are spelled out in writing before you sign, not buried in a schedule of fees.
Yes. We support merchants in all ten provinces and all 50 states, including Interac debit in Canada and US-specific surcharge rules that vary by state.
Learn the fee game before your next statement
How to read a merchant statement
The four numbers that matter, where they hide, and how to calculate your real effective rate in two minutes.
Read the guide PricingInterchange-plus vs flat rate
Which structure wins at your volume, and the ticket size where the answer flips.
Compare structures ComplianceDual pricing, done compliantly
Where surcharging is legal, where it is not, and how to post prices without risking a card-brand fine.
Read the rulesEvery fee named in 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.