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Without having to switch merchant service providers, banks or equipment, Merchant Cost Consulting reduces your merchant service costs incurred on a monthly basis... Credit card processing companies will quote a business savings, but a processor's goal is to cost just a little bit less than the last processing company... The higher a processing company can set a business's rate, the more money the processor or bank makes. And the more money a credit card processing company makes, the more a business has to pay.