About RatesNegotiator

RatesNegotiator is a service of United Processing Solutions LLC, a Florida-based company dedicated to helping businesses reduce credit card processing costs. We believe every business deserves fair and transparent processing rates, and most businesses are paying more than they should.

Our Mission

Our mission is to bring transparency and fairness to the credit card processing industry. The Nilson Report shows that U.S. card processing fees exceeded $172 billion in 2023, and research from the Mercator Advisory Group indicates most small and mid-sized businesses are overpaying. Processors rarely volunteer lower rates, even when a business qualifies for them. We bridge that gap by analyzing statements, identifying overcharges, and negotiating better terms on behalf of our clients. Since our founding, we have helped businesses across dozens of industries reduce their monthly processing costs significantly, often by hundreds or thousands of dollars per year.

Our Approach

We use AI-powered analysis to review merchant processing statements and pinpoint every area where a business is overpaying. Our team then uses industry expertise and proven negotiation strategies to secure lower rates from the current processor. Clients keep their existing processor, equipment, and payment workflow. The only thing that changes is how much they pay each month.

Who We Serve

Our clients include restaurants, retailers, healthcare providers, professional services firms, e-commerce stores, and many other business types. Whether a business processes ten thousand dollars or ten million dollars per month, our analysis and negotiation approach can identify savings opportunities. Every engagement starts with a free, no-obligation statement analysis so clients know exactly what they can save before spending a dollar.

Transparency and Trust

We provide clear, honest assessments of savings potential and never pressure clients into purchasing a service tier they do not need. Our reputation is built on delivering measurable results and treating every business with respect and attention, regardless of its size or monthly processing volume. Contact us today to start a conversation about reducing monthly payment costs.