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How It Works

No Gimmicks. No Contracts. Just the Truth About Your Payments.

The Payment Process (TPP) exists to help you, the business owner or operator, understand exactly how your card payment fees work and how to optimize them without switching processors, signing confusing contracts, or trusting someone paid on your volume.

Here’s how we do it:

01

We Teach You How the System Works

Card processing isn’t complicated by accident. It’s complicated on purpose. Banks, processors, and resellers have spent decades building a model that makes your payment fees look like a black box.
At TPP, we pull back the curtain.
You’ll learn:

  • What each line item on your statement actually means
  • The difference between interchange, network fees, and processor markups
  • How processors profit (and where you’re likely overpaying)
  • The pricing models used across the industry and which one is right for your business


Whether you're online, face-to-face, or both our education is tailored to your business model.

02

We Give You Tools to Analyze and Optimize

Understanding is just the beginning. Once you know how your payment system works, you need to evaluate how your setup stacks up.

With our tools and templates, you’ll be able to:

  • Analyze your monthly statements and spot red flags
  • Benchmark your fees against industry averages
  • Run a self-audit on your current provider’s model
  • Build a processor-neutral Request for Proposal (RFP) with questions they won’t want to answer

And if you want more help? Our community and 1:1 consulting services are here when you’re ready.

03

We Don’t Sell Processing, We Sell Clarity

This is key: We are not a processor.

We have no reseller agreements. No kickbacks. No referral bonuses. We don’t care who your processor is only that you understand how much they’re charging, what for, and whether it’s justified.

That makes us different from:

  • Merchant account providers
  • ISO sales agents
  • Software vendors
  • Bank reps


We work for you. Period.

04

We Help You Build a Smarter Payment Strategy

Once you have clarity, you can make better decisions. Whether you decide to renegotiate your current deal, move to a new platform, or overhaul your acceptance model you’ll be doing it with confidence, not confusion.

We’ll help you:

  • Build a cost-efficient pricing model
  • Know when to switch processors and when not to
  • Reduce chargebacks and fraud risk
  • Navigate compliance and PCI obligations
  • Identify new payment options that align with your business growth

Your Payment System Should Serve You - Not the Other Way Around

You don’t need another pitch. You need transparency.

You don’t need a cheaper rate. You need smarter value.

And you don’t need another sales rep. You need a partner.

That’s what The Payment Process is all about.

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With us Right Now

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