Significant Cost Savings
Dual Pricing, Cash Discount, and Surcharge programs help 80%+ of our clients cut credit card fees. If you’re running a DIY version, you could be out of compliance. We offer legal, proven solutions that save you thousands.
Payment Processing
Accept Payments with Confidence & Transparency
Looking for a reliable, secure, and cost-effective payment processor? We offer fully integrated credit card processing solutions designed to help you accept payments anywhere — in-store, online, or on-the-go — with transparent pricing and U.S.-based support.
Integrations
Merchant Services
Top-Rated Merchant Services
Transparent / Accountable Pricing Structure
Unlike other merchant services, we offer full transparency. Whether you’re using Dual Pricing, Surcharging, or traditional pricing, our Rate Tracker software shows you exactly what you’re paying — every month, in real time.
Tailored Payment Solution
We provide tailored merchant services designed around your business needs. From small retailers to multi-location operations, our payment processing solutions adapt to your workflow and help you grow smarter.
Effortless Integration
Our solutions are designed to fit effortlessly into your existing systems, ensuring a smooth transition with minimal impact on day-to-day operations.
Get a U.S.-Based Dedicated Rep
With Rate Tracker, you’re partnered with a dedicated U.S.-based rep — not a call center. We offer tailored payment solutions and expert guidance to help you optimize how you get paid, run smoother operations, and grow with confidence.
Our Commitment
Rate Tracker isn’t just a service provider; we’re a partner in your business journey to success. We are here to help you improve your technology, eliminate or significantly reduce your payment processing fees, and provide you with the best customer service you’ve ever gotten from a payment processor.
Chargebacks
Struggling With Chargebacks?
Chargebacks hit hard and fast—one minute it’s a done deal, the next your funds vanish and your account’s under fire. For fast-growing or high-risk businesses, they’re more than a headache—they’re costly, chaotic, and could even shut you down.
We've Got Your Solution
We’ve teamed up with Chargebacks911 to bring you a powerful, full-service solution that stops disputes before they start, digs into the “why,” and helps you win more cases when they do hit.
Learn MoreCase Studies
Real Businesses. Real Results.
$142K Saved and No More Freezes for Lead Gen Firm
A lead generation company replaced Stripe with a tailored merchant account, saving $142K/year, reducing chargebacks, and avoiding funding freezes.
Dual Pricing Saves High-Risk Retailer $50K
Discover how a firearm business cut $50K in costs by switching to dual pricing, syncing with QuickBooks, and enabling ACH payments.
Get Started
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Prefer to talk? Email Hello@ratetracker.io or call 440-829-6062.
Serious About Scaling? So Are We.
Rate Tracker helps growth-focused businesses go beyond low rates—with smarter payments, real funding, and the clarity to scale with confidence.