With deep experience in merchant services, POS integrations, and e-commerce programs, our team helps businesses lower processing rates, streamline transactions, and increase profits. From initial analysis to full implementation, we ensure smooth transitions and measurable results.
At Top Shelf Consulting, we help companies cut merchant processing fees, improve payment systems, and increase profits through tailored consulting. From assessing your current setup to implementing smarter, more efficient solutions, we guide you every step of the way—making complex payment processes simple and results-driven.
Have Questions? We’ve Got Answers.
Credit card processing fees can include interchange fees, assessment fees, and processor markup fees, typically calculated as a percentage of the transaction amount plus a flat fee per transaction. The exact fee structure depends on your merchant account provider and the type of transaction. We offer competitive rates through our extensive network of contracts, ensuring cost-effective solutions tailored to your business needs.
Merchant account providers implement various security measures, including encryption, tokenization, and PCI compliance, to protect against fraud and ensure the safety of customer data. Additionally, features such as address verification, CVV verification, and fraud detection algorithms help prevent unauthorized transactions.
Funds from credit card transactions are typically deposited into your bank account within 1 to 3 business days. However, 24-hour funding may be available, depending on your merchant account provider and the type of transaction.
We support a wide range of industries—from retail and hospitality to e-commerce, healthcare, and car washes.
Schedule your free assessment to see where you’re overpaying and what you can do about it.
