How it works

A free review, a clear recommendation, and nothing changes until you say so.

You see the savings before you commit to anything.

From bills to savings

Most of the work is ours. You send a few bills, read one summary and make one decision.

  1. Send us your recent bills

    Email PDFs or photos of a recent month’s statements and bills: card processing, phone, internet, software, service contracts, anything you pay regularly. Black out account numbers first.

  2. We go through every line

    We work out what you’re really paying, compare it with what’s available now, and flag every charge you shouldn’t be paying.

  3. You see the savings first

    You get a plain summary of what you could save and what we recommend. If it isn’t worth it, you owe nothing.

  4. We do the work

    With your approval, we negotiate with your current providers or move you to better ones, whichever saves you more. Nothing changes without your sign-off.

  5. We keep checking

    For as long as our agreement runs, we check every statement and challenge any increase. You also get a fee sheet showing what you should be paying at your sales level, and it’s yours to keep.

No savings, no fee.

How we’re paid

The review is free. If you go ahead, you pay us a share of the savings for an agreed period, and we check every statement for you during it. The share and the period are agreed in writing before any work begins.

We take no commissions from providers. That share is the only money we make, so we recommend whatever saves you the most.

If we can’t find savings, you pay nothing, and you’ll know your current deals are fair ones.

Something else on your mind? Call or email and ask.

Questions owners ask

What does it cost?
Nothing upfront. When we save you money, you pay us a share of those savings for an agreed period, and we check every statement for you during it. If we can’t find savings, you pay nothing.
Do you take commissions from providers?
No. We’re not a card company or a provider, and we don’t accept commissions or incentives from anyone we negotiate with. Our only income is a share of what we save you.
What kinds of costs do you look at?
Anything your business pays regularly: card processing, phone and internet, software, equipment leases, service contracts and supplies. Card processing is often the biggest saving, so we usually start there.
Do I have to change provider?
Not always. Sometimes your current provider will lower its price once it sees the numbers. If it won’t, we’ll find a better one and handle the switch with you.
Is it safe to send my bills?
Black out account numbers and send only the pages with the charges. We never need card details, passwords or access to your accounts.
Will switching disrupt my business?
If you do switch, we plan it with you so your business keeps running as normal throughout.
Why is Sterling Margin based in the UK?

Because that’s where we started, and it gives us a useful outside view of American bills.

In the UK, the law has capped the main fee banks charge on card payments since 2015: 0.2% on consumer debit cards and 0.3% on consumer credit cards. US law sets no cap on credit card fees, and only limits debit card fees for the largest banks. With less regulation, there’s more room for costs to creep up unnoticed.

The business mindset is different too. American businesses are built for growth, and that’s a strength. British businesses tend to question every line of a bill. We bring that habit to businesses that would rather spend their time growing. The work is all done by phone and email, so where we’re based makes no difference to the service you get.

No savings, no fee.

The review is free and there’s nothing to pay upfront. Send us a few recent bills and we’ll show you exactly what you could save.

Request a free review

Or call (917) 994-9643 or email joe@sterlingmargin.com