Melt Media2024-06-12T01:52:52+00:00

A Trusted Partnership

Melt Media has proudly partnered with Payment Brokers to advocate for peers, colleagues, and friends in the HVAC, plumbing, and commercial contractor businesses. This collaboration aims to make a significant impact by advocating for fair, transparent, and ethical pricing and reducing bottom line expenses without making any changes to their existing processing vendor. Together, they are committed to driving positive change and ensuring that businesses are protected from predatory billing practices.

AI Cost Reduction for Payment Processing Fees

Reduce credit card processing expenses without changing anything!

  • Keep your Existing Credit Card Processing Provider
  • No Hardware, Software or POS changes
  • No Changes to Integrations (EHR or Other Software)
  • No Applications or Underwriting
  • Free, No Obligation Analysis for Terri’s Network
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Payment Brokers representative today

Let’s Talk Payments

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Real Customers, Real Savings

Our clients come from a variety of industries, ranging from major industrial, tech, medical, hospitality, insurance, and utility businesses to smaller startups and entrepreneurs.

Cost Reduction Solutions

Our AI and machine learning tools quickly and accurately analyze client contracts and credit card processing statements to uncover valuable insights. We leverage these insights to identify cost-saving opportunities and deliver the best possible results for our customers.

Learn more about Ai.nalysis

We leverage insights from AI-powered analysis and over 20 years of payment industry expertise to secure optimal terms and cost savings that impact your bottom line.

Learn more about RightRate

Our comprehensive monthly monitoring service safeguards your contract pricing, maintains transparency and accountability from your processor and proactively uncovers new opportunities for savings.

Learn more about VeriFee

Payment Brokers has over 20 years of payment industry knowledge, deep technology and integration experience, and proven success in negotiation.

Learn More About Us.

Ready to Talk Payments?

Simple Process, More Profit

We’ve simplified the process from analysis through negotiation to minimize payment processing expenses without affecting your daily operations.


We conduct a forensic analysis of pricing, contracts, processes and technology/hardware, to ensure full transparency and accountability in your existing processor relationship.


Our payment industry specialists guide you through the negotiation until the new contract pricing takes effect, and conduct monthly monitoring to report on savings.


Our comprehensive monthly monitoring service safeguards your contract pricing, maintains accountability from your processor and uncovers new opportunities for savings.

Our Achievements in Numbers

Since 2004, Payment Brokers has been instrumental in facilitating negotiations on over seven billion dollars worth of transactions, saving over ten million dollars for over three hundred customers nationwide.


In Transactions

We’ve consulted over $7 billion dollars in transactions as of 2022.


Savings Achieved

Our clients have achieved ~$10M in savings as of 2022.



We’ve worked with 320+ clients from start up to fortune 50.

Learn More About Payment Brokers

How does Payment Brokerage work?2023-06-12T02:41:45+00:00

Payment Brokers helps analyze your current payment vendors, processes, regulatory and compliance and technologies used to find efficiencies and real, tangible savings. Then we compare other, top-tier payment vendors and utilize the information to negotiate with your existing payment vendor. The result is getting more from your existing providers without making complicated changes.

Do I have to switch Payment Processors?2023-06-12T02:41:45+00:00

No! We help companies negotiate with their existing processor and give companies multiple options for payment processing that can help reduce their bottom line expenses.

How does Payment Brokers make money?2023-06-12T02:41:45+00:00

Since there is no money out-of-pocket expense for our clients, we often get asked how we make money.

There are 4 main areas where payment brokers can earn money.

  • Splitting the savings. If our clients decide they want our help to negotiate the savings on their behalf, we calculate the monthly savings based on a monthly analysis and split those savings with our client.
  • Contract placement & referral fees. Although many of our clients stay with the same service providers, in the event that a new service provider is selected or requested by the merchant, we may be able to receive a referral fee from the service provider of our client’s choice.
  • Stand Alone Statement Analysis or Contact Review Services. For companies that do not decide to use our negotiation or contract placement services (no cost), we can offer a stand-alone, monthly statement analysis or contractual agreement review for a fee.
  • Custom Payment Technology Development Services. Payment Brokers has years of coding, development, and integration experience and has deployed complex payment systems for clients that can be contracted as a service.
How much money do I actually save?2023-06-12T02:41:45+00:00

Savings can vary greatly depending on your processing revenue, the volume of transactions, the complexity of your payment infrastructure, and current pricing. Payment Brokers will only work with companies that save a minimum of $100/mth. However, on average, our customers save significantly more.

Does you sell or lease equipment or POS systems?2023-06-12T02:41:45+00:00

NO! We do not sell, lease or profit from the sale or use of hardware/equipment, software or POS systems. As such, we also DO NOT service or maintain equipment. We are happy to make recommendations but we do not have any business arrangements with these hardware and software providers.

Can I negotiate with my processor directly?2023-06-12T02:41:45+00:00

YES! Actually, there are hundreds of articles online on how to analyze your processing statements, books written on how the processing business works, and public information published by all card brands on interchange. You can utilize this information to help educate yourself on pricing, evaluate your existing pricing, and contact your ISO/agent or acquirer directly to discuss your pricing.

Here is a link to a great starter book:

However, DIY negotiations have some major hurdles to achieving the best results which include;

  1. Understanding interchange and individual transaction classification
  2. Knowing the rate and fee structures, hidden fees like BIN, assessments, and transaction fees
  3. Contract terms, points of negotiation, and the likelihood of certain negotiable points
  4. Profitability of the ISO or ISV (helps to understand what credit card processors and software vendors are willing to accept)
What kind of companies does Payment Brokers work with?2023-06-12T02:41:45+00:00

We can work with any size company and almost every industry. However, we do not work with Adult, Casino or Gaming, MLM, or other high-risk or high chargeback category businesses.

What if I’m in a contract?2023-06-12T02:41:44+00:00

Every merchant has a contract with the credit card processor, what matters most is the term of the contract, its conditions, and the value of the contract. Many service providers are lenient on contracts in order to prevent the loss of an account long-term.

How long does the negotiation take?2023-06-12T02:41:44+00:00

Every company is unique, and depending on the size and scope of the project, underwriting requirements the timeframe can range from 1 week to 3 months.

Do you work with brand new accounts?2023-06-12T02:50:44+00:00

Yes, we can help you look at all options and help you select a processor that is right for your business.

Jason Milburn

VP of Client Advisory

Let’s Talk Payments, Start Saving Today!