A: No. Expense Defence is a business services company that assists merchants in securing savings on their everyday business expenses.

A: We will conduct a comprehensive audit of your merchant statements to identify excess fees and processing inefficiencies. We will then work to eliminate and reduce excess fees and optimize processes to ensure remaining fees are as low as possible.

A: An audit typically takes 5 business days.

A: Once we have completed an audit of your payment processor statements, we will establish baseline rates to illustrate the current fee structure. After implementation of the recommended savings strategies, we will then compare the baseline rates to the newly adjusted rates to determine your savings.

A: Our fee is paid by our customers AFTER the savings are confirmed each month.

A: On average our customers enjoy savings of 25-30% on their credit card processing fees.

A: We share a percentage of the measurable savings you realize, and only after you receive them from your Payment Processor.

A: Yes. You do not need to switch banks or payment processors. We will identify and implement savings while working with your current bank and payment processor. If you would prefer to make a change, we would be happy to advise you in that process.

A: Save you money. It all comes down to incentives and knowledge - payment processors are not incentivized to optimize your payment processing fees and they may be unaware of savings opportunities that exist for your business. Our compensation model is based solely upon a percentage of your realized savings so we are incentivized to save you as much as possible. Our knowledgeable auditors have extensive industry experience in areas many processors do not.