What we do

The credit card processing industry is incredibly confusing for most merchants and involves many players, each with their own interests (and fees). What’s more, it’s an extremely unregulated industry, giving these players a lot of leeway in the fees they charge. Our mission has always been helping our clients navigate this complicated landscape and exposing hidden fees, ultimately saving them money without even having to switch credit card processors. 

As a veteran in the finance industry, Eric Cohen knew firsthand the unfairness in the industry and the negative impact to a merchant’s bottom line from unnecessary fees. He founded Merchant Advocate in 2007, with a goal to create much needed transparency for merchants with their credit card processors. We now serve as a trusted advisor for businesses of all sizes and industries, having collectively saved our clients more than $100 million. 


Exactly how do we save our clients money? Our 3-step process is designed to save our clients both time and money. 


  1. Analyze: We begin with a thorough review of your business’ credit card statement and pinpoint any hidden and inflated fees. We’ve been in this business a long time, and can quickly spot them.
  2. Adjust: Now that we’ve uncovered unnecessary fees, we negotiate with your credit card processor on your behalf to reduce your rates and eliminate hidden fees.
  3. Audit: Because the industry is unregulated, it’s important to continually check in on your statement for rising rates and new fees. We regularly monitor our clients’ statements to ensure they are maintaining the lowest possible rates and avoiding unnecessary fees. 


We work passionately and tirelessly to make our clients’ lives easier, and their businesses more profitable. Best yet? We are paid from the savings we acquire for our clients as we recover revenue that would otherwise be lost, making it a no-brainer and a win-win for us and them. 


If you are looking for new avenues to save money, we’d love to help. Contact us today for a free analysis of your credit card statement.