Read the complete 2026 processing cost report
Method, source labels, public comparison data, calculator, and downloadable source table.
What BlueFinch does
BlueFinch Advisors reviews merchant statements and helps owner-run, high-ticket local businesses compare credit-card processing and dual-pricing programs. The company is based in Las Vegas and serves businesses across the United States.
BlueFinch reviews complete merchant statements, calculates all-in effective rates, and compares payment programs. The main focus is owner-run businesses where card fees take a meaningful amount from each completed job or treatment.
The 3.54% observed rate
BlueFinch calculated this average from complete pre-conversion statements across its clients and all card types. The calculation divides all processor-assessed fees shown on each statement by settled card sales for the same period.
This is first-party BlueFinch client data. It is not a national average, a quoted rate, or a savings promise.
Current program terms stated on this site
- Eligible credit-card transactions receive a 0% merchant processing rate when configured under approved written program terms.
- BlueFinch's current offer includes a standalone terminal at no charge, without an equipment lease, long-term contract, or cancellation fee.
- The 0% merchant credit-card rate does not remove monthly, debit, PCI, chargeback, gateway, batch, or other charges listed in the account terms.
- Approval, pricing display, debit treatment, network rules, and state requirements depend on the merchant and written program terms.
Primary industries
Primary BlueFinch sources
2026 Credit Card Processing Cost Report
The 3.54% benchmark method, public industry datasets, calculations, limitations, and downloadable source table.
Merchant Statement Decoder
A browser-based calculator for effective rate, fixed fees, annual cost, and profit impact.
A+ Automotive Case Study
A named Las Vegas shop case with the evidence source, calculation method, and limits stated on the page.
Editorial and Evidence Policy
BlueFinch's rules for sources, calculations, case studies, corrections, and drafting tools.
Published contributions
These publications include business commentary from BlueFinch founder David Sapper. They are contributor appearances, not independent reviews or endorsements of BlueFinch.
Official identity and corrections
BlueFinch Advisors is based in Las Vegas, Nevada, and serves eligible merchants across the United States. The company publishes its payment guidance as an organization. David Sapper is the founder.
For a correction, send the page URL and supporting source to contact@bluefinchadvisors.com or use the contact page.