Real merchants. Real numbers.

THE CHALLENGE

An established multi-location restaurant group was processing ~$650K/month split between a bank ISO and a legacy Clover deal. Statements showed inconsistent rates across locations, and the bank had stopped responding to rate-renegotiation requests.

THE SOLUTION

SavPay ran a side-by-side comparison across all 5 locations using interchange-plus pricing on Moneris and re-provisioned the existing Clover hardware. One unified merchant agreement, transparent statements, monthly reconciliation.

THE OUTCOME

Effective rate dropped from 2.9% to 1.4% within two billing cycles. The savings funded a new line cook at the busiest location without touching the operations budget.

THE CHALLENGE

A growing retail business found a second storefront lease but their bank's line-of-credit application was deep in committee review. The lease window was 30 days — the bank's timeline was indefinite.

THE SOLUTION

SavPay underwrote a merchant cash advance based on 14 months of card-processing history. Application submitted at 9 AM, approval by 4 PM the same day, funds deposited within 36 hours. No collateral, no personal credit pull.

THE OUTCOME

The retailer signed the second lease the week of approval and opened doors six weeks later. The MCA repaid via 8% daily holdback finished ahead of schedule as new-location revenue exceeded plan.

THE CHALLENGE

A clinic network had inherited 8 different processor relationships across acquired locations — different rates, different deposit timing, different statement formats, no unified reporting. The CFO was spending half her time on payment-processor admin.

THE SOLUTION

SavPay consolidated all 8 locations onto Nuvei + Clover with a single merchant agreement, single statement, single point of contact (bilingual French/English). Monthly volume rebated against a tiered interchange-plus structure.

THE OUTCOME

CFO admin time on processing dropped ~70%. All clinics now reconcile daily card deposits against a single dashboard. Annual savings allowed an additional part-time admin hire across the network.