Read the numbers
I work out what you actually pay across everything, not the rate you were quoted when you signed up.
How processing fees really workMerchant services · Austin and Central Texas
Find out what you are really paying.
I am Luis. Tell me what you paid in processing fees last month and I will tell you, in plain English, whether that is fair and where the money is going. If your current setup is already a good deal, I will tell you that too.
No obligation and no pitch. You are talking to me, not a call center. Se habla español.
“He gave me a solution to a problem that I didn’t know I really had.”
What I actually do
Most owners have never had their fees explained.
Not because they are careless. Because the statement is not written to be understood. Here is where I usually start.
Fit the setup to the business
In person, online, over the phone, on a job site, or on a recurring schedule. The right answer depends on how you work.
Ways to take paymentPoint-of-sale that suits you
The register your staff has to use every shift matters more than a tenth of a percent on the rate.
About POS systemsHow it works
Four steps, and you can stop at any of them.
Send me the number
Last month's total processing fees, through the fee check. Or just call or text.
I look at it myself
A personal answer within 24 to 48 hours. Not an automated report.
I show you where it goes
What is fixed, what is markup, and what should not be there at all.
You decide, or you do not
If staying put is the right call, that is what I will tell you.
Free fee check
Send the number. Get a straight answer.
Find the total fees on last month's processing statement and enter it here. Luis will look at it personally and tell you, within 24 to 48 hours, whether it is fair.
- No statement upload. Two numbers are enough to start.
- A personal answer from Luis within 24 to 48 hours.
- If what you pay today is already fair, he will tell you that.
Client stories
Business owners, in their own words.
Jaime runs a mobile detailing business out of Pflugerville and was sure his payment setup was fine. Terry founded a media company and has worked with a lot of merchant services companies over the years. Here is what they said. Not testimonials I wrote for them.
Read the case studies and transcriptsWho I work with
Built around how your business takes money.
A food truck window, a salon chair, and a repair bay all put different pressure on a payment setup. Start with the one that looks like yours.
Signal, speed, and the window
What happens to a card when ten thousand people crowd the same cell tower.
Austin food trucksTabs, tips, and turnover
Tip adjustments and batch timing, on margins with no room for surprises.
RestaurantsThe counter and the card mix
Visitors, rewards cards, and returns that cost you the fee twice.
Retail storesTips, booth rent, cards on file
Who owns the account, and who pays the fee on a tip.
Salons and barbershopsHigh tickets and disputes
Deposits by phone, large invoices, and chargebacks on finished work.
Auto repair shopsInvoices and company cards
The commercial card data that quietly decides what you pay.
Contractors and B2BAbout Luis
Why I do it this way.
I am Luis Castillo, owner of Luis Your Money Man, an Independent Sales Organization serving Austin and Central Texas, and a U.S. Marine Corps veteran. A good part of my job in the service was training other people, and that is still most of what this work is.
Nobody needs a lecture on interchange categories. They need the one line on their statement that is costing them money explained clearly enough to do something about it. In English or in Spanish.
More about how I workFree guides
Check it yourself first, if you would rather.
No email required. Read them here or download the PDF.
The Austin Business Owner's Guide to Avoiding Hidden Merchant Fees
The fees that are not really hidden, just never explained. Which ones nobody can change, which ones you can, and the contract terms that do the most damage.
Read the guideHow to Audit Your Own Processing Statement for Junk Charges
Seven steps and one worksheet. About an hour with three statements and a calculator, and you will know more about your account than most people who sell them.
Read the guideBefore You Sign: 12 Questions to Ask Any Payment Processor
Print it, take it to the meeting, and make the salesperson answer every one in writing. Including Luis.
Read the guideCommon questions
Quick answers.
What does the fee check cost?
Nothing, and there is no obligation attached to it. If your current setup is already priced well, I will tell you and that is the end of it.
Do I have to upload my statement?
No. Two numbers are enough to start: what you paid in fees last month and your card sales for that month. Nothing is ever uploaded to this website.
Do you only sell one thing?
No. As an Independent Sales Organization, I offer a wide range of point-of-sale software and hardware, so I can match the setup to how you operate. Putting a business on a system that does not suit it is how you lose a client, not how you keep one.
How fast can I be up and running?
Typically one to three business days from a completed application. The application itself sets the pace.
Can we do this in Spanish?
Yes. I speak Spanish, and the main pages of this site are available in Spanish too.
Talk to Luis
Find out where you stand.
One conversation, no obligation. Call, text, or send two numbers, and Luis will reply personally.