Carving Down Your Credit Card Processing Costs
At Flint & Chisel, we believe business owners should never have to overpay for credit card processing. For nearly two decades, we’ve been sharpening our expertise and perfecting our negotiation strategies to help businesses just like yours secure the lowest possible processing fees, permantently and forever.
What We Do
Credit card processors are notorious for layering in hidden fees, inflating margins, and making rate plans so complex that most business owners don’t realize how much they’re truly paying. That’s where we come in.
Flint & Chisel specializes in reducing your credit card processing costs through expert negotiation, whether with your existing provider or a new one. Because of our insider knowledge of rate structures, base costs, and processor tactics, we know exactly where to cut through the noise and bring your fees down to the rock-bottom level.
Who We Are
Flint & Chisel was founded by Phillip Parker, an industry veteran with over 20 years of experience in merchant services. Parker began his career in merchant services sales, but after witnessing the widespread unethical and sometimes illegal practices of many providers, he left the industry to launch CardPaymentOptions.com (CPO); a watchdog website created to expose predatory tactics and provide businesses with transparent, reliable information about credit card processing.
Over two decades, CPO has grown into a top resource for businesses researching payment processors, with millions of companies benefitting from its guidance. Through CPO, Parker began consulting directly with business owners to help them cut costs, saving companies millions of dollars in unnecessary fees. That success sparked the creation of this consultancy, Flint & Chisel, dedicated solely to helping businesses never overpay for processing again.
Today, every Flint & Chisel consultant is a former merchant services insider, bringing firsthand knowledge of how processors operate. Our team not only negotiates the lowest possible fees but also advises businesses on how to optimize their payment acceptance practices so that every transaction is processed at the lowest possible cost.
Why Businesses Trust Us
- Insider Knowledge of Rate Plans: We know how processors structure fees and where they hide unnecessary costs.
- Expert Negotiation Tactics: After nearly twenty years of refining our approach, we know what works, and what doesn’t, when it comes to getting processors to budge.
- Unmatched Leverage: Processors know when they’re dealing with someone who has expert knowledge on rates and fees, and they respond differently when we’re at the table compared to when a business owner negotiates alone.
The result? Our clients consistently obtain lower rates than they ever could on their own.
Beyond the Negotiation: Ongoing Protection
Our work doesn’t stop once your fees are lowered. Processors often attempt to sneak in new charges or gradually inflate margins over time – a practice we call “fee creep.” Flint & Chisel monitors your statements continually to ensure you never fall victim to these tactics again. When we see a change, we step in immediately to correct it.
This means you can focus on running your business while we protect your bottom line.
Why You Shouldn’t Go It Alone
Many business owners try to negotiate directly with their processor, only to walk away with minimal savings, or none at all after just a few month of fee creep working its way back in. The truth is, processors have the upper hand when dealing with someone unfamiliar with the industry, and business owners who are too busy to be dissecting every line of their merchant account statement.
By working with Flint & Chisel, you benefit from:
- Maximum savings through proven negotiation expertise.
- Peace of mind knowing someone is watching out for hidden fees.
- Long-term protection against overpayment.
The Flint & Chisel Promise
Just as a craftsman uses skill and precision to shape raw material into something of value, we carve away the unnecessary fees and hidden costs that erode your profits. With Flint & Chisel by your side, you’ll never overpay for credit card processing again. Contact us today to get started.
