Trusted by the South NIagara Chambers of Commerce

If you’ve been promised the world by cold callers or overwhelmed by confusing payment jargon, you’re not alone. For 14 years, we’ve worked independently of banks and processors to bring clarity, honesty, and real results to businesses like yours. Our approach is simple: no pressure, no empty promises-just transparent guidance tailored to your needs. We offer references, testimonials, and even an NDA for your peace of mind. Let’s have a conversation when you’re ready, not before.

Keep more of what you earn. Get paid sooner.

Independent advice on payment processing and receivables, built to protect your cash flow.

No charge. No obligation. No switching required.

Trusted by Retailers • Restaurants • Trades • Professional services • eCommerce • Healthcare

 

Works with all major processors, gateways, POS and accounting systems.

Problem → Promise

Payment processing fees and options are famously confusing. Many Canadian business owners have been burned by long contracts, teaser rates, and surprise add-ons.

 

We’re independent. We don’t sell merchant accounts. We analyse what you’re paying today, show you how to reduce it, and—if needed—negotiate with your existing processor on your behalf. Clear, documented savings. Your choice, every step.

What FeeAdvocates Does

Independent consulting for electronic payment services

 

  • Cut through the confusion: Interchange, markups, surcharges, PCI, gateway fees—we translate the jargon and find the waste.
  • Negotiate smarter: We work with your current processor to improve pricing and terms. If switching makes sense, we shortlist options and explain the trade-offs.
  • Full picture review: Hardware, software, gateway, and security/fraud prevention—because fees hide in the whole stack.
  • Free statement audit: Upload a recent statement; we map real fees vs. advertised rates and show verified savings opportunities.
  • Works for anyone taking cards: In-person, online, invoice, or phone orders.
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What Clearly Financial Does

Receivables done right for B2B

 

If you invoice clients (QuickBooks, Xero, or similar), Clearly Financial helps you automate receivables, accelerate cash flow, and recover aging A/R with a practical toolkit:

 

  • Automation tools: Biller Genie + merchant integrations to send smart reminders, offer easy pay links, and reconcile payments automatically.
  • Faster cash in: Reduce over-60-day balances and cut back-office time.
  • Advisory lens: Spot process gaps that create late payments and fix the bottlenecks—quickly.

Why Partner Together

Cash Flow, Two Ways

 

While Clearly Financial accelerates what’s coming in (receivables), FeeAdvocates reduces what’s going out (processing costs). Together, you get a one-two punch for healthier cash flow—without changing how you serve customers.

 

  • Keep your processor (if you want)
  • Keep your accounting system
  • Gain transparency, savings, and speed

 

Independence & Fees (Addressing the elephant in the room)

 

You deserve advice that isn’t tied to a sales quota. We don’t push a processor. We don’t hide behind blended rates. We put every fee and option on the table so you can choose what’s best for your business.

 

Our compensation is disclosed up-front, in writing, before you approve any work. The free audit is exactly that—free. If you ask us to implement recommendations, we’ll agree on a clear, transparent model.

Who We Help

Retail & eCommerce

B2B firms that invoice clients (QuickBooks/Xero)

Restaurants, hospitality, and services

Professional, medical, and dental

Trades and home services

Any business that accepts electronic payments.

FAQs

 

Do I have to switch processors?
No. Most savings come from re-pricing and cleaning up extras with your current provider.

 

What if my rates already seem low?
Great—let’s verify the effective rate (all fees included). Many “low” plans hide costs elsewhere.

 

How long does the audit take?
Usually 2–3 business days after we receive a complete statement.

 

Will you pressure me to change anything?
No. We present options with numbers. You choose what to implement, if anything.

 

Is my data safe?
Yes. Statements are used only for the audit, stored securely, and never shared without your consent. You will be provided with a  written Non Disclosure Agreement (NDA)

 

We’re B2B and invoice clients—can you help there too?
Yes—Clearly Financial can automate receivables, add easy payment options, and reduce ageing A/R.

What our clients say

  • I really appreciate your help and your knowledge is invaluable.

    Peggy Crump, Firm Administrator, Crawford Smith & Swallow Chartered Accountants

  • We expected 10% savings. FeeAdvocates delivered way more - cut our fees, boosted security, and didn’t even switch our processor. Total game-changer.

    Ailin Klassen, Lincoln Appliance Service Centre

  • DO NOT ATTEMPT MERCHANT SERVICES ON YOUR OWN! FeeAdvocates decoded the fine print, got us better rates, and made the process painless.

    Ryan G. Norder & Krystal Cartier-Dobransky, Aqua Service Niagara

  • FeeAdvocates fought for us and slashed our monthly fees. We weren’t just another account. They went above and beyond to get us the best deal.

    Kate Morris, Front Row Sports

  • FeeAdvocates cut our processing fees by 60% - and keeps fighting off increases. He’s our watchdog, translator, and payment security guide, all rolled into one.

    Harry Klassen, Fastek Inc.

  • They saved us over 40%, helped us dodge cancellation fees, and made switching painless. A+ service, year after year.

    Ron Harpwood, Harpwood Trophies & Gifts

  • FeeAdvocates made our rate audit seamless. They found savings and helped us switch providers with zero disruption.

    Nyc Borque, Buffalo Canoe Club

Ready to see the numbers?

Independent advice. Clear savings. Your call.