Improve traditional pricing
Your business continues paying the processing costs while Mark looks for a better rate structure, fewer avoidable fees, or a more suitable setup.
Questions? 801-541-3610The Utah $12K Processing Savings Check
Could your Utah business save $12,000 a year on card processing?
Paying $2,000+ a month in eligible processing costs? Get a free comparison of your current costs and available pricing options—with a clear explanation of what would change for your business and your customers.
No statement needed to start. No obligation to switch. If your current setup wins, Mark will tell you.
$12,000+Potential annual savings opportunity
50–70%Payroc's stated RewardPay Choice savings range
CompliantProgram options subject to card-brand and state rules
Mark TorbettLocal Utah advisor · 10+ years in payment processing
01Complete two quick steps
02Mark contacts you personally
03See the savings—or stay put
A $12,000 opportunity deserves a real calculation
See what a lower-cost payment structure could mean over an entire year.
If your business currently pays at least $2,000 per month in eligible credit-card processing costs, a 50% reduction equals $12,000 per year. Mark will calculate your actual opportunity from your real costs—not tease you with an out-of-context rate.
Your true effective rate
See the total fees divided by total processing volume—not one rate pulled out of context.
Your $12K savings potential
See the estimated annual difference between your current costs and eligible available options.
A compliant path forward
Compare available traditional, dual-pricing, and surcharge options subject to program, state, and card-brand rules.
YOUR COST CHECK
True effective rateCalculated
Avoidable chargesIdentified
Potential annual savingsQuantified
$12K opportunityConfirmed or ruled out
The $12K savings check
If the opportunity is there, Mark will show you the math.
Mark compares your current eligible credit-card processing costs with available Payroc pricing programs. If the analysis does not support $12,000+ in potential annual savings, he will give you the honest number—and if your current setup wins, he will tell you to stay put.
Payroc states that eligible RewardPay Choice merchants can save 50–70% on credit-card processing costs. Your result depends on your current costs, card mix, eligibility, program selection, and implementation.
Check my $12K savings potentialBefore you send anything
Your questions, answered.
Who is the $12K savings check designed for?
It is designed for established Utah businesses currently paying at least $2,000 per month in eligible credit-card processing costs. Businesses below that level can still request a free review, but a $12,000 annual opportunity may not be mathematically realistic.
Does saving money mean charging my customers more?
Not necessarily. With traditional processing, your business continues paying the card costs while Mark looks for better pricing or fewer avoidable fees. Dual-pricing and eligible surcharge programs can shift some costs to card-paying customers, which changes the customer experience and requires clear disclosures and proper setup. Mark will explain the tradeoff before you choose anything.
Are you guaranteeing that I will save $12,000?
No. Mark is offering to determine whether your current costs and eligible available options support at least $12,000 in potential annual savings. He will show you the math, not promise a result before seeing the numbers. Actual savings depend on current costs, card mix, eligibility, pricing, program selection, customer payment behavior, and implementation.
What happens after I submit the form?
Mark will contact you personally using the phone number or email you provide. He will ask about your current processing costs, explain the available paths, and answer your questions before requesting any financial documents.
What makes the program compliant?
Payroc's pricing programs are designed around applicable card-brand and state requirements. The correct setup, notices, disclosures, payment types, and program rules still matter. Mark will help determine which available option fits your business; nothing on this page is legal advice.
Do I have to upload a statement?
No. The two-step request asks for your contact information and basic business details so Mark can personally follow up. If you decide to continue after speaking with him, you can upload a redacted statement, text a redacted photo, or review the numbers directly with Mark.
What should I prepare?
Nothing is required to request the savings check. When you are ready, recent processing-cost information gives Mark the clearest picture, but you can speak with him first.
What should I redact before sharing a statement?
Cover bank account and routing numbers, tax IDs, Social Security numbers, full card or account numbers, and identity-document information. Mark only needs the processing charges and business-level statement details for the review.
Do I have to switch processors?
No. The analysis is free and does not obligate you to change anything. The point is to give you a clear dollar comparison and an honest recommendation.
What options can Mark compare?
Mark can compare your current structure with available Payroc options, including ConsumerChoice dual pricing, RewardPay Choice surcharging, and traditional processing. Eligibility, savings, and program requirements vary.