About Us
Every year, credit card companies and processors rake in over $160 billion in fees — much of it from small business owners who’ve been too focused on serving customers to spot the slow, silent rate hikes buried in their monthly statements.
That’s not just unfair.
It’s predatory.
And it’s exactly why we started RateIQ.
We Know the Industry Inside Out — Because We Were In It
Our team came from inside the payments world.
We worked for the processors.
We know every trick, every markup, every excuse they use to chip away at your margins without you even knowing.
And we’re done watching hardworking business owners get taken advantage of.
So We Built a Tool to Flip
the Script
RateIQ was built to protect small business owners from a system designed to confuse and overcharge them.
For too long, credit card processing has been full of vague rates, hidden fees, and contracts no one understands.
Big processors win when you stay in the dark.
We’re here to shine the light.
Tech That Fights for You
RateIQ uses powerful AI to break down your merchant statements and uncover what’s really going on. Just upload a statement, connect your inbox or bank account and we’ll handle the rest.
In seconds, you’ll see:
What used to take hours of spreadsheets and sales calls now takes one simple scan.
This isn’t just automation — it’s accountability in the industry.
And it’s long overdue.
What We Stand For
Transparency over confusion
No more fine print. No more guesswork. You deserve to know exactly where your money’s going.
Real savings over vague “rates”
We show you your actual numbers and help you spot the markup. If you're overpaying, you’ll know it.
Human support over cold automation
AI powers the tool — but real people power the mission. We’re here to help, not hide behind bots.
Your bottom line over bank profits
We don’t work for the processors. We work for you — and only you.
Fairness over greed
You shouldn’t need a law degree to understand your contract. We believe in simple, honest pricing — and exposing anyone who doesn’t.
Partnership over pressure
No pushy sales. Just insights, leverage, and the confidence to make better decisions on your terms.
This Is Bigger Than Software. It’s a Movement.
It’s a rebellion against hidden fees, shady contracts, and the idea that you should “just accept” the cost of doing business.
You’ve worked too hard to be taken advantage of.
No more hidden fees. No more blind trust. No more being taken advantage of.
Let’s take back what’s yours.. together.
Welcome to RateIQ.
