01 / REVIEW AREA
Map the payment stack
Identify which provider handles the gateway, acquiring, settlement and currency conversion.
GATEWAY, ACQUIRING & FX REVIEW
One payment. Understand every cost.
Map what your gateway, acquirer and currency-conversion provider each charge. Compare the full payment stack before deciding what to change.
No advisory feesNo obligation to switchClear next steps
Partner-funded advice. Provider fees and terms still apply.
BUILT FOR THE PEOPLE
RESPONSIBLE FOR MARGIN
RESPONSIBLE FOR MARGIN
01 Founders & operators
02 Finance teams
03 Ecommerce & platforms
THE DIRECT ANSWER
Are gateway and processor fees duplicate charges?
Not necessarily. A gateway and an acquirer can perform different services and charge separately. Authorize.net publishes gateway-only charges, while NMI explains that gateway fees are separate from processing fees. A review checks the services, billable events and agreement before treating a charge as redundant.
Checkout.com offers tailored pricing structures. Do not assume all three providers share the same role or fee model.
WHAT WE REVIEW
Start with the details
that affect your costs.
Two providers on the bill can be legitimate. The question is what each service costs and delivers.
02 / REVIEW AREA
Count the billable events
Compare authorization, capture, retry, refund and other fee triggers with actual activity.
03 / REVIEW AREA
Compare the all-in cost
Include monthly charges, processor fees, network costs and applicable FX conversion.
A BETTER PROVIDER CONVERSATION
Know what
to ask next.
Use the review to turn a rate discussion into a complete cost comparison. These are questions to investigate, not findings about your account.
Get the gateways & global payments checklist ↗| Review area | The question to ask |
|---|---|
| Checkout.com | Which pricing structure, payment methods and currencies are in the agreement? |
| Authorize.net | Is the account gateway-only or a combined processing offer? |
| NMI | Which reseller agreement and enabled services determine gateway costs? |
| FX and cross-border | Which costs arise from card geography and which from currency conversion? |
FREE TOOL / NO EMAIL REQUIRED
What would a small
rate change mean?
Use your own volume and fees to explore a hypothetical reduction. A basis point is 0.01 percentage points. This is a scenario, not a quote or savings forecast.
20 bps
0 bps100 bps / 1 percentage point
ILLUSTRATIVE ANNUAL IMPACT
$6,000 / year
Example inputs are prefilled. Replace them with your figures.
Current effective rate3.00%
Scenario effective rate2.80%
Illustrative monthly difference$500
Annual impact = monthly volume × basis points ÷ 10,000 × 12. Assumes constant volume and a change to the effective rate. Excludes implementation and switching costs.
Your calculator amounts stay in your browser and are not sent with your inquiry or analytics.
Find out what is worth reviewing ↗TWO WAYS TO START
Bring us the question.
Leave with a next step.
Get a focused review or a checklist to guide your own provider conversation.
01 / COMPLIMENTARY REVIEW
A clearer payment statement.
Request a review of your current costs, the questions worth asking and the options worth testing.
Request my free review ↗02 / PROVIDER CONVERSATION CHECKLIST
A better pricing conversation.
Get six checks tailored to gateways & global payments, including the documents to gather and the questions to raise.
Get my review checklist ↗01
Share your starting point.
Your website, provider and approximate volume are enough to begin.
02
Review the evidence.
We identify the information needed and arrange document collection separately.
03
Choose your next move.
Keep your setup, ask better questions or evaluate a suitable alternative.
LET’S LOOK AT YOUR SETUP
Make your next
payment decision
an informed one.
Tell us where to start. Chris will review your request and follow up on the most useful next step.
Chris Fava
Rebar Payments advisory
chris@wearerebar.com
Rebar is compensated through processing partners when eligible referred merchants transact. You are free to keep your current provider.
Checking request availability. You can also book a call or email Chris.
BEFORE YOU START
A few practical
questions.
Clear answers about gateways & global payments and how a Rebar review works.
Can gateway fees always be waived?
No. Availability and pricing depend on the provider and agreement. Separate charges may pay for distinct services. Compare full costs and confirm any concession in writing.
Does an NMI gateway account include a merchant account?
NMI describes gateway and processing charges separately. Check your reseller or provider agreement to establish which services are included in your package.
Is a cross-border fee the same as an FX fee?
No. Cross-border processing concerns the payment’s geography; currency conversion concerns changing one currency into another. Review both against the agreement.
How does Rebar get paid?
Rebar can receive compensation from payment processing partners when eligible referred merchants transact. The payments advisory review has no upfront or ongoing Rebar fee. You are free to keep your current provider. Processing fees and provider terms still apply.
Provider sources reviewed October 30, 2026:Authorize.net gateway pricing ↗NMI: gateway and processing fees ↗Checkout.com pricing ↗Account-specific terms may differ.
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