01
Statement review
We read the statements you already receive and connect the line items to the terms and account setup behind them. The practical outcome is a shorter, clearer view of what your business is actually paying.
The advocacy process
The work behind
better margins.
Merchant advocacy is the center of the work: understand the costs already in your business, challenge what deserves a closer look, and keep watch after the changes are made.
No provider switch requiredFree initial reviewClear next steps
Merchant advocacy · Our only service
Your current processor gets a fair challenge.
Processing statements can spread interchange, assessments, markups, and one-off charges across pages of detail. Clear Harbor Group works for the client, not the processor, translating that detail into a useful point of view and a practical next move.
The work begins with the account you already have. There is no automatic recommendation to change providers, and the initial review is not a pitch to sell payment processing.
02
Fee + rate diagnosis
We examine rate changes, pass-through costs, markups, and billing patterns that may deserve a closer look. The goal is to separate normal cost from questions worth asking—not to label every fee a mistake.
03
Processor advocacy
We bring the findings to your current processor and help pursue a more workable arrangement on your behalf. The review is designed to work with your existing relationship; a provider switch is not the starting assumption.
04
Ongoing monitoring
We compare later statements against the agreed direction and watch for new fees, rate movement, or configuration drift. The practical outcome is a better chance of keeping an improvement visible over time.
What we look for
A useful list of questions, not a promise about every line.
01
Hidden or hard-to-explain fees
02
Rate changes and pricing drift
03
Billing or account-configuration issues
04
Pass-through costs and markups
05
Missed savings opportunities
The initial review is free, subject to the company’s actual terms. When eligible savings are identified, an ongoing arrangement can be structured around a share of the savings; the terms are explained before work proceeds. Results vary by statement, contract, and processor response.
How the relationship works
A clear path from statements to next move.
You do not need to prepare a perfect case or decode the statements first. Bring your two most recent statements, and we will help make the decision in front of you easier to see.
01
Send two recent statements
Share your two most recent statements so the account can be compared across consecutive months.
02
Receive a plain-English review
See what changed, what is understandable, and what merits a question.
03
Decide what action makes sense
Choose whether to ask for an adjustment, gather more detail, or leave the arrangement alone.
04
Monitor the result
Keep an eye on future statements so the outcome can be checked against the plan.
Questions operators ask
Straight answers before you start.
Do I have to switch processors?
No. The review is designed to work with the existing processor relationship first. If a change ever becomes relevant, it should be because the numbers and terms make a clear case—not because a provider needs to be sold.
What does the first review cost?
The initial review is free, subject to the company’s actual terms. Any arrangement for additional advocacy work is explained clearly before you decide whether to continue.
What happens after the review?
We explain what we found, identify which items may be worth pursuing, and lay out clear options. If you continue, we advocate with your current processor and monitor later statements for the agreed changes.
Start with your two statements, not a sales pitch.
Use the on-domain intake for the free statement review, or book a short meeting to discuss your account first.