You’re paying card fees nobody can explain. Send one statement. We name every fee, usually within 4 hours.
Then we make processors compete for your account and bring back the best deal available to a business like yours. We are not a processor, and it costs you nothing — the provider pays us.
No contract · No early-termination fee
- ⚡ We name every fee, usually within 4 hours
- ✓ We work with every provider, not one
- ✓ Costs you nothing — the provider pays us
- ✓ USA & Canada first — merchants worldwide welcome
- ✓ Call 1-888-705-7896
One call. Every processor shopped. The best deal on the market, brought to you.
Same statement. Before and after we read it.
Processors print fees in code. We translate every line into plain words and mark the ones that are pure margin.
- Card-brand interchange Fixed cost, paid to the card networks$1,412.08
- “Non-qualified” downgrade Markup on top of interchange$318.72
- Monthly statement fee Pure margin$29.95
- PCI non-compliance fee Often avoidable by completing the PCI questionnaire$99.00
- Batch & settlement items Often negotiable$62.40
- Annual maintenance, billed monthly Pure margin$14.95
- Fees we would challenge$525.02 /mo
Sample statement with made-up numbers, for illustration only. Your fees depend on card mix, ticket size and volume.
We name every fee, usually within 4 hours.
Get my free statement analysisHardware, gateways and platforms we deploy
EVERY PROCESSOR.
ONE FIGHT.
YOUR SIDE.
We are the agent that makes the market bid for your account. They compete. You collect.
We’re not a processor. We make them compete.
A processor’s rep can sell you one price list. We take your statement to the market and let the providers bid for your account.
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1
You send one statement
A recent processing statement is all we need. We name every fee, usually within 4 hours.
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2
Providers bid for you
Processors, acquirers and gateways compete on price and terms. You see every offer, including the ones we would not pick, and why.
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3
You keep the best deal
You choose. It costs you nothing: the winning provider pays us. No switch unless the numbers are better.
The provider pays us. You never get a bill from us.
We charge you nothing. We are paid by the payment provider you choose, generally as a share of the processing margin on your account, for as long as the account stays active. Arrangements differ between providers, and we will tell you the nature of ours on your account if you ask.
What CELER Merchants costs you, in plain numbers
Our service costs you $0: the provider you choose pays us. With zero-fee dual pricing, your net card cost can be near $0 where your state or province allows it.
$0 for our service
No statement fee, no PCI fee, no annual fee, no monthly minimum and no early-termination fee on any of our pricing structures. Month to month, cancel any time.
CELER Rate Lock
- Markup stated in basis points on your agreement
- No change without your written agreement
- Effective rate recalculated and sent every quarter
- Unexplained increases corrected and credited
Switching from a contract?
Send us your current agreement. We find the term, the auto-renewal window and any exit fee, and tell you exactly what leaving costs before you decide.
Dual pricing vs surcharging
Dual pricing posts two prices, a cash price and a card price, at the shelf and on the receipt. The customer picks how to pay.
Surcharging adds a disclosed fee to credit card sales at checkout, within card-brand caps. Connecticut, Maine, Massachusetts and Puerto Rico prohibit surcharging, and Quebec does not allow a fee for paying by card.
Debit cards can't be surcharged
In the US, Visa and Mastercard rules prohibit surcharging debit and prepaid cards. We never surcharge debit on any program, and every program is built to card-brand rules and your state or provincial law.
Compare, with rates as published 18 Oct 2026: CELER vs Square · CELER vs Helcim · CELER vs Stax
A real team you can reach
CELER Merchants is an independent merchant services agent serving the USA and Canada first, and merchants worldwide. We are not a processor and we do not hold your funds.
CELER Merchants is not affiliated with Celero Commerce. We are also not related to the Celer Network or its CELR crypto token. CELER Merchants is an independent merchant services agent based in Montreal, Quebec, operated by Celer Merchants Corporation. Reviews or complaints about Celero Commerce are not about CELER Merchants.
About us · Contact · How we are paid · Free invoice generator
- Canada
- 1250 René-Lévesque Boulevard West, 22nd Floor, Montreal, QC H3B 4W8
- Phone
- 1-888-705-7896
- Profiles
One provider for every way your customers pay
In store, on the road, over the phone, on your site, on a recurring schedule and straight from a bank account.
POS systems
Countertop systems with inventory, staff permissions, reporting and integrations — sized to your business, not upsold to it.
POS systemsPayment terminals
Countertop, wireless and long-range terminals. Tap, chip, swipe, Interac, Apple Pay and Google Pay out of the box.
Payment terminalsTap to pay on phone
Turn the phone in your pocket into a contactless terminal. No hardware, no rental, no waiting on a shipment.
Tap to payeCommerce & gateways
Shopify, WooCommerce, BigCommerce, Magento or a custom API — with smart routing that lifts authorisation rates.
eCommerce paymentsInvoicing & virtual terminal
Send a branded invoice, take a card over the phone, or drop a pay link in a text. Deposit timing depends on the processor.
Invoice softwareRecurring & ACH
Memberships, retainers and subscriptions with automatic card updater — plus ACH and EFT rails for large invoices.
Recurring billingYour number, in about 60 seconds
Move two sliders. We estimate what a well-structured account should cost you and what you are likely leaving on the table every month.
The calculator uses the same effective-rate maths our analysts use on a real statement. It is an estimate — the statement analysis is the exact number.
Effective rate = total monthly fees ÷ total monthly volume. It is on your statement, and it is the only number that matters.
Estimated annual saving
Estimate range: $3,720–$6,720 a year
Estimate only — real savings come only from your statement.
Get the exact numberSolutions for every kind of merchant
Every industry has its own fee traps. Pick yours and see the specific ones we look for.
What lands in your inbox
- Your true effective rate, calculated three ways
- Every fee named, with who collects it
- The lines that are negotiable and the ones that are not
- A side-by-side of your current cost vs. a correctly structured account
- The dollar difference per month and per year
- No obligation to switch — it is yours to keep either way
Start with the number nobody has shown you
Processing statements are designed to be hard to read. Bundled tiers, vague "service" lines, pass-throughs that are not really pass-throughs.
Our analysts read hundreds of these a month. They know which fees belong to the card brands and are genuinely fixed, and which ones exist purely because someone decided you would not notice.
We name every fee, usually within 4 hours, in plain language, with the maths shown.
Credit card processing, answered straight
Divide total fees by total volume on your monthly statement — that is your effective rate. Most small businesses land between 2.6% and 3.5%. Well-priced accounts on interchange-plus usually run 2.1% to 2.6% for card-present retail. Anything above 3.2% on in-person volume almost always has recoverable cost in it.
Yes. You send one recent processing statement, we return a line-by-line breakdown, usually within 4 hours, showing every fee, who collects it, and which lines are negotiable. There is no contract, no obligation and no charge — you can take our analysis to your current provider if you want.
Usually not. We integrate with most major POS platforms and gateways. If your hardware is locked to your current processor, we will tell you before you commit and show you the cost either way.
Nothing up front. Account setup is free and terminals arrive pre-programmed. The only real cost is the 15 minutes it takes to sign the application.
Deposit timing depends on the processor. Next-business-day deposits are common, and some providers offer same-day options on qualifying volume. Cut-off times and weekend behaviour are spelled out in writing before you sign, not buried in a schedule of fees.
Yes. We support merchants in all 50 states and DC, plus every Canadian province and territory — including US surcharge rules that vary by state and Interac debit in Canada.
No. CELER Merchants is not affiliated with Celero Commerce. CELER Merchants is an independent merchant services agent based in Montreal, Quebec, operated by Celer Merchants Corporation. Reviews or complaints about Celero Commerce are not about CELER Merchants.
Learn the fee game before your next statement
How to read a merchant statement
The four numbers that matter, where they hide, and how to calculate your real effective rate in two minutes.
Read the guide PricingInterchange-plus vs flat rate
Which structure wins at your volume, and the ticket size where the answer flips.
Compare structures ComplianceDual pricing, done compliantly
Where surcharging is legal, where it is not, and how to post prices without risking a card-brand fine.
Read the rulesEvery fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.