Collaborative Discovery
Let us get to know your business, your current processor, your sales model, your volume, your average tickets, your industry, and any issues you are experiencing.
Build a better payment stack around your business model
Mosaic reviews your current payment setup before recommending a better solution. We help identify revenue leakage, explain what is happening inside your processing stack, and build a more transparent quote around your actual business model.
Transparent review
Processor-fit guidance
Hardware fit for size
Best in class hardware
True Transparency
Markup, interchange, assessments, gateway fees, terminal costs, and monthly charges translated into plain language.
Payment optimization
Credit, debit, e-commerce, and in-person processing options built around your sales channels, card mix, volume, and operating model.
Stack-fit guidance
Gateway, terminal, POS, refund flow, chargeback management, and specialty processing needs reviewed before Mosaic recommends a setup.
Payment solutions built around your actual business model.
Every processor labels fees differently, which makes payment stacks hard to compare. Mosaic reviews your current setup first, then recommends processor-fit options with True Transparency around pricing, gateways, terminals, refund flow, chargeback support, and growth needs.
Traditional Processing
Credit, debit, e-commerce, and in-person processing structured around how your business accepts payments today. View details.
High-Risk & Specialty Processing
Processor-fit guidance for businesses with specialized underwriting, chargeback, reserve, ticket-size, or growth-stage considerations. View details.
Surcharge Program
Program-fit guidance for eligible businesses that want to offset credit card acceptance costs while keeping checkout clear and transparent. View details.
Quick Refund
Gateway-level refund resolution for merchants that need to reduce preventable disputes, TC40s, TC15s, and VAMP pressure before chargebacks hit. View details.
Nonprofit Payment Processing
Mission-focused payment review for donations, events, memberships, recurring giving, debit optimization, donor experience, and clearer reporting. View details.
Terminals and POS Hardware
Best-in-class terminals and POS systems for retail and service businesses, with gateway, terminal, POS, and in-person processing needs evaluated together. View details.
$2,235
monthly cost
Interchange69%
Processor markup19%
Gateway + monthly7%
Assessments5%
Example processing statement. Interchange is set by card networks; the remaining costs are where a transparent diagnostic review may identify revenue leakage or better processor-fit options.
Estimate potential annual dollars saved.
Move the sliders to compare your current monthly processing volume and current monthly processing fees against a lower-cost processing scenario.
Illustrative only, not a quote or guarantee. Use the processing-fee amount from your current statement when estimating. Actual results depend on card mix, channels, gateway needs, terminals, POS setup, and risk profile.
Potential annual dollars saved
$6,720
based on your estimated monthly fees and processing volume
Current effective rate: 3.10%
Built for businesses with real operating complexity.
Mosaic works with businesses of all sizes, from independent restaurants to nonprofits, retail, e-commerce, service businesses, specialty categories, and enterprise-scale operators.
What Mosaic evaluates
Specialty processing need? Mosaic helps evaluate processor-fit options for high-risk and specialty businesses.
Our Process Is Different
Mosaic takes a no-strings-attached, consultative approach. We help you understand where revenue leakage may be happening, how your current payment stack is performing, and what an optimized quote could look like based on your actual business model.
Consultative Diagnostic
Mosaic reviews your current setup, including pricing structure, processing costs, gateway needs, terminal or POS requirements, refund flow, chargeback management, reserves, and risk profile.
Findings Assessment & Transparent Quote
We walk through the findings, explain restructure options, review gateway and terminal needs, discuss refund and chargeback management, and provide a transparent quote built around your business.
Processing support for traditional and specialty businesses.
Mosaic helps businesses understand their current processing setup, identify potential limitations, and find processor-fit options built around their real operating model.
Apply NowProcessor-fit guidance for industry type, growth stage, and risk profile
Chargeback, refund, reserve, and account-stability review
Gateway, terminal, POS, and in-person processing needs
Specialty support for higher tickets, processor limitations, and enterprise scale
Why Mosaic
The Mosaic Difference starts with a real consultation, clear answers, and payment solutions built around your business model.
“My rates increased, and no one could explain why until Mosaic.”
Rate clarity“I needed a processor I could trust and one that understood my industry.”
Industry fit“Once I hit a certain sales threshold, my current processor could not support my growth, higher tickets, or risk profile.”
Growth support“I was tired of speaking to a bot about my reserve funds being held.”
Human support“I wanted a real consultation, not another generic processing quote.”
Consultative reviewApply for a transparent processing review.
Share a few details about your business and Mosaic will review your current setup before recommending a better payment solution. A member of Mosaic's onboarding team will be in touch to talk through your needs and next steps.
5500 Pearl St, Suite 250
Rosemont, IL 60018-5303, US
Mosaic LinkedIn
Rosemont, IL 60018-5303, US
Mosaic LinkedInNo obligation. The review shows how your current setup compares with Mosaic's processing options.
Your statements are used only for the diagnostic review and handled confidentially.
You get clear findings, transparent pricing, and next steps for a potential Mosaic setup.