We're not just a payment processor. We're on the side of the businesses that use it.
You've probably changed merchant service providers more than once.
Each promised lower rates, better service, or the latest technology.
Every time, you expected things to improve.
Yet months or years later, you're still left asking the same questions.
"Are we paying too much?"
"Could someone else do better?"
"How would we even know?"
You've probably collected competing proposals, each claiming to offer a lower "rate." But unlike a mortgage, a car loan, or a certificate of deposit, there is no single rate that accurately describes the cost of accepting credit cards.
Asking, "What's your rate?" is like asking someone's
height in pounds.
"Rate" is simply not the right unit of measurement.
The real problem is that no one has ever taken the time to explain to you how payment processing actually works.
No one explained to you who gets paid, why they get paid, and which fees you can actually control.
No one explained to you why accepting business cards more than accepting consumer cards- and that there's something you can do about it.
No one showed you how to reduce chargebacks before they happen.
No one emphasized to you that protecting cardholder data
isn't simply good business. It's an essential responsibility,
with consequences comparable to driving without insurance.
Instead, you've been handed statements that are either so complicated they're impossible to understand...or so
simplified that they hide the very information you need.
After years of frustration, it's easy to conclude that the devil you know is better than the devil you don't.
The real problem is a lack of knowledge.
Enter SōBōNet.
We're on your side- not the processor's.
Our job isn't simply to lower costs. It's to help you understand your payment ecosystem so you can make informed decisions about your business.
Whether that means reducing expenses, strengthening data security, preventing chargebacks, improving customer payment options, or simply understanding where your money goes each month, we're here to help.
Think of us as your Card-iologist.
(Yes...we went there.)
Like any good physician, we don't begin by writing a prescription.
We begin by asking questions about your symptoms.
And while most processors ask you to send them a statement so they can disappear for a few days, run an "analysis," and return with promises of lower rates, we don't.
Instead, we'll review your statement together.
Live.
We'll put it up on the screen like an X-ray, and offer a diagnosis.
We'll explain every section, show you where your money goes, identify what costs you can influence, and separate the fees that are fixed from the ones that can be reduced.
We'll tell you the things that other processors don't want
you to know.
And only if we identify a genuine opportunity to improve your payment environment do we write a prescription.
Sometimes it means reducing costs.
Sometimes it's improving security, reducing chargebacks or giving your customers better ways to pay.
Sometimes, the best advice is to stay exactly where you are.
Either way, you'll leave with something far more valuable than another proposal.
You'll know whether your business is paying the right amount, why you're paying it, and what—if anything—you should do next.
You don't have to become an expert in payment processing.
You simply need someone in your corner who already is.