WHAT MOST MERCHANTS
DON'T KNOW IS COSTING THEM.
The payment processing industry is built on complexity. The more confusing the statement, the less likely you are to question it. We believe merchants deserve straight answers — so here are a few things you should know.
Your processor adds fees on top of Visa & Mastercard.
Visa and Mastercard set base interchange rates — but your payment processor adds their own markup on top. Most merchants never see this breakdown. They just pay the total and assume it's standard.
Those fees are negotiable — and vary widely.
Processor markups are not fixed. They vary from company to company and contract to contract. Two businesses doing the same volume can pay dramatically different rates. Most merchants don't know to ask.
Your monthly statement hides the real numbers.
Processor statements are intentionally complex. Fees are buried in line items, bundled together, and labeled in ways that make comparison nearly impossible. We decode it — clearly and for free.
Free hardware is real — and available to you now.
Modern POS systems and ATMs don't have to cost you anything upfront. Through our partnerships with North American Bancard and Genmega, qualified businesses receive hardware at zero cost. No catch.
"The average small business merchant overpays on processing fees by hundreds — sometimes thousands — of dollars per year. Not because they made a bad deal, but because no one ever showed them what a good deal looks like."
EVERYTHING WE OFFER
IS FREE TO START.
No setup fees. No equipment costs. No obligation. We earn when you save — so our interests are completely aligned with yours.
FREE MERCHANT STATEMENT ANALYSIS
We use AI to decode your monthly processor statement line by line — exposing hidden fees, inflated markups, and charges you didn't know existed. Most merchants are shocked by what they find. The analysis is completely free and takes less than 24 hours.
FREE ATM PLACEMENT & MAINTENANCE
We place and maintain premium Genmega ATMs in your location for free. You earn surcharge revenue on every transaction. We handle installation, cash management, and maintenance. Fully branded wraps available to match your business.
FREE POS SYSTEMS & LOWER RATES
Through our partnerships with North American Bancard and PayAnywhere, qualified merchants receive modern POS hardware at no cost — along with processing rates lower than what most are currently paying. We switch you over seamlessly.
HOW WE WORK
WITH YOU — NOT AT YOU.
We don't do high-pressure sales. We do honest conversations. Here's exactly what happens when you reach out.
SHARE YOUR STATEMENT
Your processor sends you a monthly statement. Email it to us, upload a PDF, or hand us a printed copy. That's it. Our AI analyzes it within 24 hours and shows you exactly what you're paying — broken down in plain English.
No commitment. No cost. Just information you deserve to have.
REVIEW YOUR RESULTS TOGETHER
Brian or Rechelle will walk you through your analysis personally — line by line. You'll see your current rates, the hidden fees, and a clear comparison of what you could be paying instead. We answer every question until you're fully comfortable.
We never pressure. We educate. You decide.
CHOOSE WHAT WORKS FOR YOU
If the numbers make sense and you're ready to switch, we handle everything — new POS setup, ATM installation, and a seamless transition with zero downtime. If you're not ready, we respect that. The knowledge is yours to keep.
Your timeline. Your choice. We're here when you're ready.
No obligation. No sales pitch. Just the truth about what you're paying.
ROCKLIN LOCALS.
ON YOUR SIDE.
All Tips Matter was founded in 2024 by Brian and Rechelle — a Rocklin-based couple who got tired of watching local business owners get squeezed by high taxes, rising costs, and payment processing fees nobody explained to them.
We're not a national call center. We're your neighbors. When you call, Brian or Rechelle picks up. When your ATM needs service, we show up. When you have questions about your statement, we sit down with you and walk through it together.
Our mission is simple: help Sacramento and Placer County merchants keep more of their hard-earned money — through honest advice, free tools, and a relationship built on trust.
Serving Placer & Sacramento Counties
