Focused assessment
Request a comparison of eligible pricing approaches and remaining costs without representing payment acceptance as universally free or guaranteeing savings. Review what the request covers, which information helps, and what remains subject to approval or written terms.
Plain-language definition
This focused assessment compares the current processing profile with potentially eligible configurations and their complete written cost.
Day-to-day workflow
Provide non-sensitive business facts and a recent statement where appropriate; AMP identifies pricing structure and questions; any proposal is modeled against actual volume, payment mix, software, equipment, and terms.
Implementation
The implementation requirement is specific: monthly volume, transaction count, average ticket, card and channel mix, current fees, equipment, software, contract dates, and customer-facing pricing constraints. AMP can document dependencies and questions, but the merchant and applicable providers must confirm compatibility, account approval, responsibilities, testing, training, and support in writing.
Complete cost
processing that remains; monthly and per-item charges; software, hardware, gateway, PCI, support, chargeback, implementation, and cancellation costs Compare recurring, transaction-based, one-time, optional, and exit costs separately. A proposal is incomplete if it omits equipment ownership, software term, support scope, or cancellation obligations.
Failure planning
No model removes every possible cost, and results vary with transaction mix, customer behavior, provider eligibility, implementation, and agreement terms.
Decision guide
Compare total modeled cost and customer workflow with the current arrangement; do not compare one proposed percentage with a statement's all-in total.
Know before you decide
Complete-cost view
Only a written proposal and agreement can establish actual pricing and terms.
Owner questions
The review compares actual volume, transaction count, card and channel mix, pricing structure, recurring fees, equipment, software, contract dates, and customer-facing workflow against an eligible proposed configuration.
Processing, monthly, software, hardware, gateway, PCI, support, chargeback, implementation, and cancellation costs may remain. Pricing programs also depend on eligibility and actual operation, so zero cost or savings cannot be guaranteed.
For dual pricing, cash discount, or surcharge, inspect posted prices, disclosures, tender identification, debit and prepaid behavior, receipts, refunds, and every channel against current legal requirements, card-network rules, processor policy, and provider configuration. This is not legal advice.
Model the same representative volume, transaction count, payment mix, channels, and included services. Compare complete written costs and obligations rather than one proposed rate against an all-in historical total.
Published 2026-08-03 · Modified
Government guidance on truthful price and promotional representations. Source reviewed .
Current Visa acceptance-rule materials; the applicable provider must confirm implementation. Source reviewed .
Approved first-party educational comparison of processing-pricing structures. Source reviewed .
