Understand what you pay to accept cards

I'm James Rosiere, an independent sales agent of AFS, a payment processing provider. I help business owners read their card processing statements and see where their money goes.

How it works

1. Tell me your recent monthly totals, on a call or through a secure upload link I send you.
2. I work out your effective rate and explain it in plain English.
3. If it makes sense, I show you an AFS proposal with every rate and fee disclosed up front.

The review is always free, with no obligation and no guarantee of savings. I never need card numbers, bank logins, or passwords.

What AFS offers: interchange-based pricing for B2B and larger merchants, and a cash discount program for card-present and omnichannel businesses. Rules on cash discounting and surcharging depend on your state.

Request a free statement review

Want someone to walk through it with you?

I'm James Rosiere, an independent sales agent of AFS, a payment processing provider. I offer a free review of your processing statement: I explain your effective rate in plain English and, if you want, show you an AFS proposal with rates and fees disclosed up front. No obligation, and no guarantee of savings.

Request my free statement review

Send my totals and contact details to James Rosiere, independent sales agent of AFS (High Top Consulting LLC), so he can prepare a free statement review. I can ask for my information to be deleted at any time. Please do not enter card numbers, bank logins, or passwords.

You agree to this on the form.

Rules on surcharging and cash discounting depend on your state; I'll check yours first.

Contact: james@hightopconsult.com