We do not sell one processor. We make them all bid.
Every other quote you have been given came from someone who could only sell you their own product. CELER Merchants is an independent agent — we take your statement to the market, make providers compete for your account, and bring back the best of what they offer.
A direct rep versus an independent agent
| Processor's own sales rep | CELER Merchants | |
|---|---|---|
| Products they can offer | One. Theirs. | Every provider on our panel |
| Who they answer to | The processor's quota | The merchant who can leave any month |
| What happens if their product is wrong for you | They sell it anyway | We take you somewhere else |
| Rate comparison | Against a competitor they picked | Against live quotes we collect |
| Cost to you | Built into your rate | Nothing — the provider pays us |
| When your rate creeps up | You call a queue | We re-shop the account |
| Hardware advice | Whatever they stock | Whatever actually fits your floor |
Four steps. You can stop at any of them.
Send one statement
Any recent monthly processing statement, all pages. That is the only thing we need from you to start.
We read it, line by line
A human works out your true effective rate and names every fee, who collects it, and which are negotiable. Back inside 4 hours.
We make the market bid
Your profile goes to the providers that suit it. You see what each returned — including the ones we do not recommend, and why.
We set it up and stay
Application, underwriting, hardware, cutover, and a named contact afterwards. We re-shop the account when the market moves.
How we get paid, in plain language
Nobody in this industry works for free, and anyone who says they do is hiding the maths.
You pay the provider for processing, exactly as you would going direct. That provider shares part of the margin on your account with us, every month, for as long as you stay.
Two things follow from that. First, our fee is not added on top of your rate — it comes out of the provider's side, which is why merchants who go direct rarely get a better number than we negotiate. Second, we only earn while you are still there, so keeping your pricing competitive is self-interest, not goodwill.
Ask us what the arrangement looks like on your account and we will tell you.
- We will name every provider that quoted on your account
- We will show you the offers we did not recommend, and why
- We will tell you in writing if your current deal is already good
- We will never sell a non-cancellable equipment lease
- We will never put you on a term contract with liquidated damages
- We will re-price the account quarterly, whether or not you ask
- We answer the phone at any hour, any day
The questions people are too polite to ask
No. CELER Merchants is an independent agent and referral partner. We are not a bank, a processor or an acquirer. The provider you select underwrites, approves and settles your account. We do the shopping, the negotiating, the setup and the ongoing support.
The provider you choose pays us out of the processing margin on your account, month by month. You pay the provider exactly what you would pay going direct — often less, because we negotiate against comparable offers. We will tell you what our arrangement on your account looks like if you ask.
Because we are paid the same way regardless of which provider you pick, and because our income is a share of an account that only survives if you stay. A direct rep gets paid once for signing you to one product. We get paid for as long as you remain happy — which makes the incentives point the same direction as yours.
We work with a panel of acquirers, processors, gateways and POS vendors covering Canada and the United States. Which ones we approach depends on your industry, volume, ticket size and equipment needs. We will tell you exactly who quoted and what came back.
We tell you so in writing and you keep the analysis for free. It happens on roughly one statement in eight. An agent who never says that is not shopping the market, they are selling one product.
Sometimes — it depends on the industry and the underwriting appetite of the providers we work with. We will tell you quickly and plainly if we are not the right fit rather than running you through applications that will not be approved.
Every fee named in 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.