Independent Payment Advisor · Cary, NC

Your Business. Your Money. The Heartbeat of American Business.

We're not a processor. We're your independent payment ecosystem advisor. We diagnose. We benchmark. We protect your margins — and we tell you the truth either way.

If we don't find $200–500/month in fee leaks, you get your $125 back. Full refund. The report either pays for itself — or it's free.
$200–500Avg. monthly leak found
100% IndependentZero processor ties
24-HourWritten report turnaround
Real Human SupportMatt answers the phone
Why PulsePay

Everything You Need.
Nothing You Don't.

Lower Processing Costs
Keep more of what you earn with transparent, interchange-plus pricing and no surprise line items.
Fast, Honest Setup
Minimal paperwork, no long-term contracts holding you hostage — and no pressure until the numbers say it's worth it.
Secure & Compliant
Proper PCI compliance and modern, secure payment technology — set up correctly, priced fairly.
Real Human Support
Talk to the person who actually knows your account — not a call center or a ticket queue.
The Hidden Problem

When Was the Last Time Someone Walked Through Your Statement Line by Line?

Most small business owners have never had an independent analysis of their payment processing. They trust that their rates are fair — without ever confirming it. Meanwhile, the average business is overpaying somewhere between $200 and $600 a month and doesn't know it. That's money walking out the door every single month — silently.

Tiered pricing — the most expensive structure, almost always applied without your knowledge
Rate creep — processors quietly increase fees 6–12 months in. Most owners never notice.
Junk fees — PCI fees, batch fees, statement fees. Often 3–4× market rate.

"Most owners have never seen an independent analysis. Most find out they were overpaying only after they stop. Don't be that owner."

— Matt Wetzel, Founder, PulsePay · Cary, NC

What We Find

The 6 Most Common
Fee Leaks We Spot

We see these on almost every statement we review. If you haven't had an independent analysis, at least two probably apply to you right now.

01
Inflated PCI Fees
$120–$240/yr above market
Processors charge 3–4× market rate for PCI compliance. Most owners never question it.
02
Tiered Pricing
$150–$400/mo in excess fees
The most expensive pricing model — and the most common one nobody warned you about.
03
Non-Qualified Surcharges
+0.5–1.5% on rewards cards
Every rewards or business card gets downgraded. It hits your margin on every premium swipe.
04
Batch & Statement Fees
$25–$75/mo unnecessary
Daily batch fees, monthly statement fees, annual fees. Never explained. Rarely justified.
05
Silent Rate Increases
+0.15–0.40% added quietly
Processors raise rates with a 30-day notice buried in your statement. Most owners never see it.
06
Interchange Downgrades
$50–$200/mo in lost margin
Late batching and missing terminal data trigger expensive downgrades. Fixable — if you catch them.

Sound familiar? The $125 Profit Leak Report finds exactly which of these apply to your statement.

Free · No Email · 60 Seconds

Find Out If You're
Overpaying Right Now

Enter your monthly volume and fees. We benchmark your effective rate against market standards for your vertical and tell you where you stand — instantly. No signup. No sales call. Just the number.

If the check shows a problem, you'll know exactly what to do next.

Complete Payment Ecosystem

Flexible Payments for
How You Actually Sell

PulsePay looks past the processing rate to the whole system — technology, fees, workflow, and rewards all affect the health of your payment ecosystem.

In-Person Payments
Chip, tap, and swipe on modern, reliable hardware.
POS Systems
Easy, powerful, and reliable at the counter — built for your operation.
Online Payments
Secure eCommerce checkout that converts, without the clutter.
Recurring Billing
For memberships, subscriptions, and membership-style plans.
Mobile Payments
Take payment anywhere your work takes you — field, counter, or curb.
Gift & Loyalty
Programs that bring customers back again, without extra overhead.
Our Services

Payment Processing
& POS Systems

We don't just audit what you have. When the numbers say a change makes sense, we handle the whole transition — from hardware to go-live.

Payment Processing
Get Off the
Wrong Plan
Independent analysis → competitive bids → concierge migration. You choose — or you keep what you have.
What's included
✓Interchange-plus pricing setup — the transparent model most owners never get offered
✓Dual pricing & cash discount programs — compliant setup, honest explanation
✓PCI compliance review — proper setup at market-rate pricing
✓Concierge migration — we handle paperwork, gateway, batching, and go-live
✓Monthly monitoring — catch rate creep before it costs you
POS Systems
Hardware That
Works for You
Restaurant, retail, or service trade — we match you with hardware that fits your operation, not our margin.
Who we serve
—Restaurants — table management, tip config, kitchen display, split checks, online ordering integration
—Retail — inventory tracking, barcode, customer display, multi-register, loyalty programs
—Service Trades — mobile POS, field invoicing, tap-to-pay, virtual terminal for phone payments
✓Training, setup, and go-live support included with every hardware placement

Not ready for a quote? Start with the $125 Profit Leak Report — it tells you exactly what's worth changing first.

The Process

Four Steps.
Complete Clarity.

We're not here to sell you anything until we've proven there's something worth buying. Here's exactly how it works.

01

Run the Free Check

Enter your monthly volume and fees. We calculate your effective rate and benchmark it against market standards for your business type. Instant. Free. No commitment.

02

Send Your Statement

Upload, email, or text a photo of your most recent processor statement. One month is all we need. We take it from there.

03

Get Your Report in 24 Hours

We read every line. Flag every fee. Calculate your true effective rate. Identify every junk charge. Deliver it all in a clear written report with a straight verdict.

04

You Decide. Always.

Switch processors, renegotiate, or stay — that's your call. We give you the numbers. You make the decision. Zero pressure. Zero agenda.

"When was the last time someone walked through your statement line by line? If there's a problem, I'll tell you. If there's not a problem, I'll tell you that and we're done."

Matt Wetzel
Matt Wetzel
Founder · PulsePay · Cary, NC
Why We're Different
✓We're independent — not tied to any processor or carrier
✓We diagnose first, recommend second — never the reverse
✓If your rates are already fair, we'll tell you and you keep what you have
✓Matt Wetzel answers his phone. No call centers. No tickets.
✓Local, face-to-face with Triangle restaurants, trades, and retailers
What to Expect

The PulsePay
Standard

Every engagement runs on the same principles — whether it's a free check or a full statement review.

01
Independent Analysis
We're never tied to a single processor or carrier. We shop your account against real market benchmarks, not a fixed menu.
02
The Honest Verdict Promise
If your current rates are fair, we'll tell you — and you keep what you have. No pressure, no pitch, just the analysis.
03
A Real Person, Every Time
Matt reviews every statement and answers his own phone. No call centers, no scripts, no account handoffs.
The Full Analysis

Profit Leak Report™

$125 · One-Time

Written report delivered within 24 hours of statement receipt. No ongoing charges. No obligation beyond the $125.

1
Your true effective rate — calculated precisely from your actual statement
2
Every fee identified and labeled — normal, excessive, or junk
3
Benchmark comparison against your specific vertical and volume tier
4
Estimated savings range if a problem is identified
5
Pricing structure recommendation — if a change is warranted
6
Honest verdict: fix it, monitor it, or leave it alone — we'll tell you which
The Zero-Risk Guarantee

Most owners overpay $200–500/month — that's what we typically find. If we don't find at least $200 in monthly savings, we refund your $125 — no questions asked. Either the report pays for itself many times over, or it costs you nothing. That's a true zero-cost guarantee.

Order Now
$125
One-time · Written report · 24-hour turnaround
$200–500/month in leaks found, or your $125 back — full refund
What's included
✓Full statement analysis
✓True effective rate calculated
✓Every fee flagged and labeled
✓Benchmark for your vertical
✓Optional 15-min review call
✓Honest verdict — no agenda
Questions first? Call or text Matt:
(515) 393-0354
Get to Know Matt

Meet the Founder

Matt Wetzel, founder of PulsePay

With years of experience in the payments industry, Matt Wetzel founded PulsePay with a simple belief: business owners deserve a payment partner who puts their interests first. After seeing firsthand how complicated and costly payment processing can become, Matt chose to build an independent company focused on doing things the right way — providing honest guidance, personalized service, and solutions built around each business.

Today, Matt works directly with business owners to evaluate their complete payment ecosystem — from processing fees and technology to workflows, rewards, and operational efficiency — helping them identify opportunities to reduce unnecessary costs, improve their systems, and ultimately keep more of what they earn.

Honest Guidance
No gimmicks. Real advice that puts your business first.
Personalized Service
You're not an account number. You're a partner.
Better Solutions
Technology, support, and strategy built around you.
More of What You Earn
Lower costs, greater efficiency, stronger margins.
Ready to Know?

Most Owners Find Out They Were Overpaying Too Late.

You pick, or you keep what you have. Either way, you get clarity you don't currently have. That's the whole deal.

Written report · 24-hour turnaround · Honest verdict · No obligation

Call or Text
(515) 393-0354
Serving
Cary / Raleigh, NC
PulsePay · Cary / Raleigh, NC
Is Your Business
Leaking Money?
Most small businesses overpay on processing fees by $200–$600/month — without ever knowing it. We find the leaks.
2.8%+
avg. rate owners pay
1.9%
market benchmark (restaurant)
24hr
report turnaround
$125
full written analysis
Free · 60 Seconds
Free Profit Leak Check
Enter a few quick numbers — monthly volume and current fees — and get an instant benchmark comparison. See if you're in range or overpaying, right now.
Free · No signup required
Takes about 60 seconds
Paid · Full Written Report
Profit Leak Report™
Send us your actual statement. We analyze every line, calculate your true effective rate, flag every fee, and deliver a complete written report — with an honest verdict — in 24 hours.
$125 · One-time · No obligation
24-hour written analysis
How It Works
Two Paths. One Goal.
1
Enter your volume and fees. See where you stand vs. market benchmarks.
2
Get an instant benchmark report. If you're overpaying, you'll see exactly how much.
3
Send your actual statement. We do a complete written line-by-line analysis.
4
Switch. Stay. Or walk. Zero pressure. Either way, you have the numbers.
"I'm not here to sell you anything. I'm here to show you the truth about your statement. If there's not a problem, I'll tell you that."
— Matt Wetzel, PulsePay · Independent Payment Advisor · Cary, NC
Free · No Signup Required
Free Profit LeakCheck
Enter three quick numbers. Get an instant benchmark comparison — see if your rates are in range or if there's a problem worth investigating.
Run Your Check
Takes 60 seconds. No account needed. No sales call required.
$
The total dollar amount charged on cards each month
$
Total fees on your statement — everything: processing, monthly, PCI, etc.
Or
I already know my effective rate
AgentSales Rep / Agent Name
If a PulsePay rep is running this check — select your name for GHL tracking
or
Syncs to GoHighLevel on submission for rep-level tracking and attribution
No email required · Results in seconds · No obligation
Rate Benchmarks
Interchange-plus · Card-present accounts
Restaurant1.8 – 2.2%
Retail1.9 – 2.4%
Service Trade2.1 – 2.6%
Professional Svcs2.3 – 2.8%
Healthcare2.2 – 2.7%
Review if above →3.0%+
* General market estimates. Your actual benchmark depends on card mix, ticket size, and pricing model. Full Report shows your exact figures.
What This Check Tells You
✓How your effective rate compares to market
✓Rough estimate of annual overcharge (if any)
✓Whether a full analysis is worth pursuing
This is an estimate based on your inputs. For exact figures, the $125 Profit Leak Report™ uses your actual statement.
Your Results
Free Profit Leak Check
Your Effective Rate
—%
Loading...
Your Effective Rate
—
Based on your inputs
Benchmark for Your Vertical
—
Market target rate
Rate Gap
—
Above benchmark midpoint
Est. Annual Overcharge
—
Verify with full report
Where You Land — Rate Spectrum
1.5% — Excellent2.5% — Average3.5%+ — Review
1.5–2.2% — Strong range
2.3–3.0% — Monitor / negotiate
3.0%+ — Likely overpaying
Analysis
Next Step

Get Your Full Profit Leak Report™

This free check shows the benchmark gap. The $125 Profit Leak Report™ shows you exactly which fees are causing it — line by line, from your actual statement.

$125 · One-Time
Written report · 24-hour turnaround · No obligation
Not ready? Return to main site · Questions? Call (515) 393-0354
PulsePay · Profit Leak Report™
From Estimate to Exact.
The free check tells you if there might be a problem. The $125 report tells you exactly what it is, what it's costing you, and what to do about it.
Free Check (what you just ran)
✓Benchmark comparison based on your estimates
✓Rough effective rate calculation
✓General sense of whether you're in range
✗No statement review
✗No line-by-line fee analysis
✗No junk fee identification
Your Full Report Includes
Six Deliverables in One Report
1
Your true effective rate, calculated and labeled from your actual statement
2
Every fee identified and flagged — normal, excessive, or junk
3
Benchmark comparison against your specific vertical and volume tier
4
Estimated savings range if a problem is identified
5
Pricing structure recommendation — if a change is warranted
6
Honest verdict: fix it, monitor it, or leave it alone
The Honest Verdict Promise
We are an independent consultant — not a processor, not a carrier. If your current rates are fair, we will tell you that, and you keep exactly what you currently have. No pressure. No pitch. Just the analysis.
Most Common Leaks We Find
$Inflated PCI compliance fees — often 3–4x market rate
$Tiered pricing instead of interchange-plus
$Non-qualified surcharges on rewards cards
$Batch and statement fees charged monthly
$Rate creep added quietly after 6–12 months
$Interchange downgrades eating into margin
Profit Leak Report™
$125 · One-Time
Written report delivered within 24 hours of statement receipt · No obligation after delivery
Questions first? Call or text Matt at (515) 393-0354
1
Your Business
2
Statement
3
Contact & Pay
Profit Leak Report™ Request
Step 1 of 3 — Tell us about your business
Business Information
This helps us benchmark your rates accurately against your vertical and volume tier
$
Approximate total — your statement will give us the exact figure
AgentReferring Sales Rep / Agent
If a PulsePay rep helped you get started — select their name. This tracks commission and attribution in GoHighLevel.
or
Syncs to GoHighLevel pipeline automatically — used for rep attribution, commission tracking, and follow-up assignment
← Back
Questions? Call or text Matt at (515) 393-0354
✓
Your Business
2
Statement
3
Contact & Pay
Attach Your Statement
Step 2 of 3 — One recent statement is all we need
Processing Statement Upload
Your most recent merchant processing statement — one month is sufficient
What to upload: Any PDF, photo, or scan of your processor's monthly statement. Most processors send this by email or it's available in your online portal. One page is usually enough to get started.
filename.pdf
0 KB
Prefer to text a photo? That works too — just text a photo of your statement to (515) 393-0354 after completing this form. We'll match it to your request.
← Back to Step 1
Your Statement is Safe With Us
✓Statements are used only for your analysis — never shared or stored beyond that
✓We are an independent consultant — not affiliated with any processor
✓You can also text or email it directly: (515) 393-0354
Questions? Call or text Matt at (515) 393-0354
✓
Your Business
✓
Statement
3
Contact & Pay
Contact & Payment
Step 3 of 3 — Almost done. Your report ships within 24 hours.
Your Contact Information
Where we send your completed Profit Leak Report™
Your completed report will be delivered to this email
For a follow-up text when your report is ready
Payment — $125
Secure payment · One-time charge · No subscription
Profit Leak Report™ — Full Statement Analysis$125.00
Processing & Delivery (24-hour turnaround)Included
Follow-up review call optionIncluded
Total Due Today$125.00
Demo Mode: This is a demonstration form. Payment fields are shown for design purposes — no actual charge will occur.
Payment Method
Credit / Debit Card
Bank Transfer
Zelle
Card Details
I understand this is a one-time $125 payment for a written Profit Leak Report™ to be delivered within 24 hours of statement receipt. I have read the terms of service. No obligation beyond this payment.
Secure payment · No recurring charges · Report delivered to your email within 24 hours
← Back to Step 2
Questions before paying? Call or text Matt: (515) 393-0354
Request Received.
Your Profit Leak Report™ request is in the queue. Here's exactly what happens next.
1
You'll receive a confirmation email within 5 minutes
Check your inbox (and spam folder) for confirmation and simple instructions for submitting your statement if you haven't already.
2
Send or text your most recent statement
Reply to the confirmation email with your statement attached, or text a photo. One month is all we need. Your analysis begins the moment we receive it.
3
Your Profit Leak Report™ arrives within 24 hours
Written report delivered to your email with your true effective rate, every fee flagged, and an honest verdict — fix it, monitor it, or leave it alone. No fluff. No pitch.
4
Optional: Book a 15-minute review call
After your report is delivered, you'll receive a calendar link. No obligation — just a chance to walk through the findings together and answer any questions.
Your Analyst
Matt Wetzel · PulsePay
Independent Payment Advisor · Cary / Raleigh, NC
(515) 393-0354
matt@pulsepay.com
Want to share the free Profit Leak Check with another business owner?
Independent · Unbiased · Local

Payment Processing
Done Right

We don't push a single processor. We analyze your business, identify the right pricing model, and connect you with the best fit — then manage the entire migration, start to finish.

What We Offer

Everything You Need.
Nothing You Don't.

Interchange-Plus Pricing

The most transparent pricing model available. You pay exact interchange cost plus a fixed markup — no tiered confusion, no bundled junk.

Dual Pricing / Cash Discount

Pass processing costs to card-paying customers legally and transparently. Done right, it eliminates processing fees for many businesses entirely.

PCI Compliance Setup

We walk you through PCI compliance correctly — no overpriced annual fees, no automated billing surprises. Done once, done right.

Concierge Migration

When a switch makes sense, we handle everything — paperwork, gateway, batching, funding setup, tip config, and go-live support. Zero disruption to your business.

Monthly Rate Monitoring

Rate creep is real. We review your statements periodically and flag any fee increases before they become a problem. Your rate stays fair.

Independent Advocacy

We're not tied to any processor. We shop multiple partners on your behalf and recommend the best fit for your volume, vertical, and risk profile.

Start with the Analysis, Not the Sales Pitch

Before we talk processing, we want to know what you're actually paying. The $125 Profit Leak Report™ tells you whether there's a real problem — and what it's costing you. Then we talk options.

PulsePay · Cary, NC · (515) 393-0354
Restaurant · Retail · Service Trades

POS Systems
Built for Your Business

The right POS isn't just hardware — it's how your business actually runs. We help you pick the right system and handle the full setup.

By Business Type

The Right System
for How You Operate

Restaurant
Full-service · QSR · Bars · Cafes
✓Table management + floor plan
✓Course-by-course ordering
✓Tip adjustment post-swipe
✓Kitchen display integration
✓Online ordering integration
Retail
Boutique · Specialty · Multi-location
✓Inventory management + SKU tracking
✓Customer loyalty integration
✓Barcode scanning
✓Returns and exchanges
✓E-commerce sync
Service Trades
HVAC · Cleaning · Landscaping · Auto
✓Mobile card readers (field use)
✓Invoice + estimate integration
✓Text-to-pay capability
✓Recurring billing setup
✓QuickBooks / job mgmt sync
Important Note

We Recommend the Right System for You — Not the Most Expensive One

We're not a hardware store. We consult, we compare, and we set up the system that fits your business — including making sure your payment processing runs at the best rate available for that hardware.

PulsePay · Cary, NC · (515) 393-0354
No Obligation · Response Within 24 Hours
Get In Touch
Tell us a little about your business and what you're looking for. We'll reach out personally — no robo-calls, no scripts.
Contact Request
Matt Wetzel · PulsePay · Cary, NC · (515) 393-0354
Drop your statement here or click to upload
PDF, JPG, or PNG · Max 10MB · Kept strictly confidential

Matt responds personally within 24 hours. No robo-calls. No scripted follow-up. Just a real conversation about your business.

PulsePay · (515) 393-0354 · matt@pulsepay.com
✓
Request Received

Got It — We'll
Be in Touch

Matt will review your request and reach out personally within 24 hours. No sales scripts. No pressure. Just a real conversation about your business.

Your Contact
Matt Wetzel
Founder · PulsePay · Cary, NC
(515) 393-0354 matt@pulsepay.com

Client Portal

Access your Profit Leak Reports, statement history, and monitoring dashboard.

Forgot your password? Email Matt directly

Don't have an account yet?

PulsePay · Cary, NC

PulsePay Rep Portal

Your pipeline dashboard, commission reports, and sales resources.

Access issues? Text Matt: (515) 393-0354

Not a rep yet? Apply below.

PulsePay · Cary, NC
Now Expanding in the Triangle & Beyond

Partner with
PulsePay

Two paths. One mission. Whether you want to refer clients and earn passive income, or build an active book of business — we have the system, the scripts, and the support to make it work.

The Income Opportunity

Residual Income.
For Every Active Merchant.

Every merchant account you bring in pays you month after month — for as long as they process. This isn't a one-time commission. It's a portfolio that grows.

5–10
Active Merchants
A realistic first-year goal with part-time effort
$1,000+
Monthly Residual
Estimated at 5–10 active accounts [ASSUMPTION]
20+
Active Merchants
Year 2–3 target for full-time reps

"This isn't a job — it's a portfolio. Every merchant you bring in pays you every month they process. If you build 20 accounts, you're earning whether you work that day or not."

— Matt Wetzel, PulsePay · Cary, NC

Choose Your Path

Which One
Fits You?

Referral Partner

You know business owners. When they have a payment problem, you send them our way. We do the rest — and you earn a referral commission on every account that converts.

✓No sales experience required
✓Perfect for CPAs, bookkeepers, attorneys
✓Simple referral process — email or text
✓Earn per referral that converts
Click to Apply as Referral Partner
Sales Agent

You want to actively sell and build a real income stream. We give you the scripts, the leave-behinds, the D2D system, and the back-end to close. You own your book.

✓Full training + onboarding included
✓Proven D2D scripts and sales system
✓Residual monthly income per account
✓Path to ISO-level earning at scale
Click to Apply as Sales Agent

Select a path above to see the application form →

Questions? Call Matt: (515) 393-0354
Application Received

You're In
the Queue

Matt reviews every application personally and will reach out within 24 hours. Expect a short intro call — no pitch, no pressure, just a real conversation about whether this is a fit.

What Happens Next
1
Matt reviews your application and reaches out within 24 hours
2
Short intro call — 15 minutes — to see if the fit is right
3
Onboarding + materials provided. You're ready to go within a week.