Your true effective rate
The single number your processor hopes you never calculate.
Free statement analysis
See your true processing rate — free statement analysis
Send us one recent processing statement. We’ll show you every markup, fee, and where you’re overpaying — line by line. If we can’t save you money, we’ll tell you.
No pressure. No obligation. No long-term contracts.
What You Get
Every markup and fee, flagged
Interchange vs. the markup stacked on top of it — clearly separated.
A plain-English comparison
What you'd pay on transparent interchange-plus or a dual pricing / cash discount program.
An honest verdict
If you're already on a good deal, we'll say so — and you keep the analysis either way.
How It Works
Send us your statement.
A recent processing statement is all we need to start.
We analyze your current costs.
Line by line: interchange, markup, fees, and equipment.
We install and support your solution.
Local setup, staff training, and 24/7 support after go-live.
Get My Free Analysis
Send one recent statement and we will go through it with you, line by line.
We only use your statement to build your analysis. Never shared, never sold.
Why Minerva
No long-term contracts, no termination fees
Local DFW team — install, training, and support from people nearby
Same-day approvals on most applications
Brand-agnostic POS: Clover, Square, SkyTab and more — or we reprogram the POS you already have
Dual pricing and cash discount programs available
Free equipment options for qualifying businesses
100+ DFW businesses served
Questions Owners Ask
Am I locked into a contract if I switch?
No. Minerva accounts have no long-term contract and no termination fees.
Can I keep my current POS?
Often yes. Many systems can be reprogrammed to a new processor — we check compatibility before proposing anything.
How fast is approval?
Most applications are approved within one business day.
Is my statement data safe?
It's used only to build your analysis. Never shared, never sold.
What if you can't save me money?
Then we'll tell you straight — and you keep the analysis either way.
Call or text (916) 918-7017 · support@minervapays.com
Mon–Sat 9am–5pm CT
Get my free analysisRun a restaurant and wondering where the diners are going? Our free restaurant marketing audit covers that side. Or read more about card processing and the cash discount program.