An honest read on what you’re paying to accept cards.
The House Rule
Send me one processing statement. I’ll show you exactly what you’re paying, line by line — and I’ll only move you if I can actually save you money.
Harris Payment Solutions is an independent sales agent for merchant payment processing. In plain terms: I read your current processing statement, show you line by line what you’re really paying, and — if I can beat it through one of my established processing partners — I’ll show you exactly how, in writing, before you sign anything.
I set merchants up on honest pricing: interchange-plus or a true cash discount program. I don’t sell surcharge schemes, teaser rates, or junk fees. And if the numbers show I can’t save you money, I’ll say so plainly and shake your hand — you’ll leave better informed than I found you.
Founded by a retired U.S. Army First Sergeant after 20 years of service. The discipline is simple: the merchant comes first.
The only thing I ask up front: one recent processing statement. Send it here — snap a photo of every page or upload the PDF — with your name and a way to reach you. I’ll read it line by line, calculate your true effective rate, flag any fees worth questioning, and get back to you personally, usually within one business day.
No obligation. If you’re already getting a fair deal, I’ll be the first to tell you.
Every card processing bill has two parts. The industry counts on you not knowing which is which. Here they are.
Set by Visa, Mastercard, Discover, and American Express and paid to the banks that issue your customers’ cards. Every processor pays the same interchange — nobody gets a better deal on it. It is nobody’s markup and no honest processor can freeze it, because the networks adjust these rates on their own schedule, typically twice a year.
The processor’s rate, per-item fees, and any monthly or add-on fees. This is the only part of the bill anyone can negotiate — and the only part worth comparing between processors. On interchange-plus pricing, this markup is a stated, separate line instead of being buried inside a blended rate.
Why this matters
The oldest trick in the industry is to raise the processor’s own margin when the networks adjust their rates — and let you believe the card companies did all of it. Once you can read the two parts apart, that trick stops working on you. Teaching you to read any statement — including a competitor’s, and mine — is the whole point.
A few terms do most of the confusing. Tap any one.
If you invoice other businesses or government buyers, some of your card payments run on commercial, purchasing, and government cards — and those can qualify at different data levels. Miss the data the networks want (tax amount, purchase-order number, line-item detail) and the transaction silently downgrades to a more expensive category. Most vendors taking these cards are overpaying and have no idea.
I check for that specifically. Where my processing partners support the enhanced-data (Level 2 and Level 3) programs, I’ll set you up to send the data that qualifies for lower rates — and I’ll show you the difference on your own statement first.
Recent and relevant
The card networks tightened their commercial-card data rules in early 2026 — businesses that were qualifying under the old programs saw rates quietly rise this year unless their setup was updated to full enhanced data. If your B2B processing costs jumped and nobody explained why, that’s a fair first question, and one I can help you answer.
The networks’ costs pass through, and the processor’s markup is a stated, separate line you can actually see. My default, because it’s the most transparent structure in the business.
Your posted price becomes the card price, and customers who pay cash pay less — set up the compliant way, with the right signage and receipts. Not a surcharge in disguise.
Final pricing depends on your business, your card mix, and the processing partner’s approval — so I confirm every number in writing before you commit. No teaser rates, no surprises on the first bill.
Straight talk
I’m an independent agent, not the processor. That means the processing agreement is between you and an established processing partner, and specific terms — pricing, equipment, and the merchant contract — are set with that partner and subject to their approval and underwriting. My job is to bring you honest options, read the fine print with you, and stand behind the numbers I quote.
Anyone who accepts payments. Retail shops, restaurants, professional services, e-commerce, contractors, nonprofits, and business-to-business and government vendors. No business too small, no business too big, and no minimum to sit down and have your statement read.
We serve the merchant first — we are grateful, not greedy. Honor, integrity, and staying true to our word are the cornerstones of this company’s foundation.
G. Keith Harris Jr. · Founder · U.S. Army, 1SG (Ret.)
Phone
The only thing I ask: send me one processing statement. I’ll show you what you’re really paying — and if I can’t beat it, I’ll tell you so.