Paying too much for credit card processing?
AdvoCharge is an independent processing broker. Send us a recent statement and we will show you exactly where your fees are going - and how to lower them, or eliminate them entirely.
No obligation - we read your statement and report back, free.
How we save you money
We are a broker, not a single processor. That independence is the whole reason we can find a lower rate when others cannot.
Independent, not captive
We shop your account across multiple national processors and place it wherever the real cost is lowest - not wherever pays us the most.
Interchange pricing only
Every client is set up on transparent pass-through interchange pricing - no tiered markups, no enhanced bill-back, no padded margins.
No hidden fees
No early termination fees and no equipment markup. The statement says what you actually pay.
How we advocate for you
For nearly two decades, AdvoCharge has worked for the merchant - not the processor. The savings analysis is just the start. We stay involved long after you sign.
- Ongoing rate monitoringWe watch interchange changes and flag your account when a better structure becomes available.
- 24/7 in-house supportReal people, plus direct access to the processor whenever you need it.
- Next-day fundingYour money in your account the next day, with a generous 10 PM EST cutoff.
We only win when you save.
AdvoCharge was built to fix the hidden-fee problem from the merchant's side. If a switch will not save you money, we will tell you so - and we will say it in plain language, on a single page.
Choose a savings structure
Both start the same way - with a free review of your current statement. Pick the path that fits how you run your business.
Lowest fees. Guaranteed.
Traditional processing, guaranteed at least 20% below today.
- At least 20% lower processing fees, guaranteed
- Keep accepting cards exactly as you do now
- No setup fee and no cancellation fee
- Level 2 and Level 3 processing for B2B
- Next-day funding and chargeback support
Welcome to fee freedom.
The true zero-fee dual-pricing structure.
- Eliminate 100% of standard processing fees
- A simple dual-pricing model applied at the point of sale
- Equipment at cost and integrated POS options
- 24/7 account access and paperless billing
- Next-day funding and chargeback support
Frequently asked questions
The short version. The full FAQ covers pricing, onboarding and compliance in detail.
What exactly is AdvoCharge?
An independent merchant services provider - a broker. We work with multiple national processors and place your account wherever it earns the best rate, then keep advocating for you long after you sign.
How can your rates be so low?
We shop across multiple processors to find a program and rate structure that works for you. We set clients up on interchange (pass-through) pricing instead of tiered markups. You pay interchange plus a small, transparent margin.
Do I have to change how I take payments?
No. You keep your current workflow - terminals, virtual terminal, mobile and online. We change the pricing behind it, not the day-to-day.
Is there a long-term contract or cancellation fee?
No early termination or cancellation fees - ever. You are free to leave at any time.
What our customers are saying
"They read our statement, found the markup our last processor buried, and switched us with zero downtime. The savings were exactly what they promised."
"The Advo100 program took our processing fees to zero. Setup was simple and our customers barely noticed the change."
"Switching to AdvoCharge was painless and our monthly statement finally makes sense. We are keeping more of every arrangement we sell."
"AdvoCharge understood our billing before we finished explaining it. Advo20 cut our processing costs and the support has been steady ever since."
"One agreement covered every location, and the combined-volume pricing beat anything a single store could reach. Onboarding a new site is now effortless."
"We were overpaying for years and never knew it. AdvoCharge showed us exactly where, in plain language, and the switch paid for itself in the first month."
"Their interchange-plus pricing held up under our finance team's review. No padded tiers, no surprises - just a transparent statement every month."
"Honest, straightforward, and they explain everything on one page. For our members it has been a genuinely better deal."
See what you are overpaying
Send us a recent processing statement. We will analyze it and report back in plain language - what you pay now, and what you would pay with AdvoCharge.
Get a free statement review