Pay less to get paid
Pay less to get paid
Reduce your payment costs and improve your margins without switching providers.
Reduce your payment costs and improve your margins without switching providers.
Reduce your payment costs and improve your margins without switching providers.
Free Assessment
No Commitment
For North American Businesses
Card Processing Statement
July 2026
Gross Card Sales
$170,572.28
$170,572.28
Interchange Fees
Optimized
Optimized
Assessment Fees
$344.87
$344.87
Processor Markup
Negotiated
Negotiated
Currency Conversion Fees
Optimized
Optimized
PCI Non-Compliance Fees
Removed
Removed
Illustrative example only. Actual savings vary based on your payment setup.
Yearly Cost Savings
$12,805.70
Yearly Cost Savings
$12,805.70
Payment Cost Reduction
20%
Free Assessment
No Commitment
For North American Businesses
Don't let payment fees eat into your margins
Every unnecessary charge leaves less for your business. We find where you’re overpaying and help reduce those costs without switching providers.
High Rates and Padded Fees
The rate you signed up for may no longer be competitive. We review your processing charges, challenge unnecessary fees and negotiate better terms.
High Rates and Padded Fees
The rate you signed up for may no longer be competitive. We review your processing charges, challenge unnecessary fees and negotiate better terms.
Is your Payment Setup adding Unnecessary Costs?
The rate you signed up for may no longer be competitive. We review your processing charges, challenge unnecessary fees and negotiate better terms.
Is your Payment Setup adding Unnecessary Costs?
The rate you signed up for may no longer be competitive. We review your processing charges, challenge unnecessary fees and negotiate better terms.
Extra Costs on International Sales
Your advertised processing rate may leave out international card fees and currency conversion charges. We examine the full cost and look for ways to avoid unnecessary conversions.
Extra Costs on International Sales
Your advertised processing rate may leave out international card fees and currency conversion charges. We examine the full cost and look for ways to avoid unnecessary conversions.
Extra Costs on International Sales
Your advertised processing rate may leave out international card fees and currency conversion charges. We examine the full cost and look for ways to avoid unnecessary conversions.
Reduce the cost of getting paid
wherever you sell
We work with businesses across Canada and the United States processing $70K+/month in card payments.
Selling In-Person
Selling Online
Pay less when customers pay in person
We look beyond your quoted rate to check whether your pricing and account setup suit the payments you actually receive. Then we handle negotiations and approved changes with your current provider.
Lower rates and per transaction fees
Access to eligible lower rate programs
Remove unused account and equipment services
Reduce the cost of getting paid
wherever you sell
We work with businesses across Canada and the United States processing $70K+/month in card payments.
Selling In-Person
Selling Online
Pay less when customers pay in person
We look beyond your quoted rate to check whether your pricing and account setup suit the payments you actually receive. Then we handle negotiations and approved changes with your current provider.
Lower rates and per transaction fees
Access to eligible lower rate programs
Remove unused account and equipment services
Reduce the cost of getting paid
wherever you sell
We work with businesses across Canada and the United States processing $70K+/month in card payments.
Selling In-Person
Selling Online
Pay less when customers pay in person
We look beyond your quoted rate to check whether your pricing and account setup suit the payments you actually receive. Then we handle negotiations and approved changes with your current provider.
Lower rates and per transaction fees
Access to eligible lower rate programs
Remove unused account and equipment services
Selling across borders? Reduce the extra costs of selling internationally
International sales shouldn’t mean paying for conversions you don’t need. Miovapay specializes in cross-border payments. We follow the money from your customer’s payment to your bank account, reviewing international card fees, charges built into exchange rates and unnecessary conversions.
Selling across borders? Reduce the extra costs of selling internationally
International sales shouldn’t mean paying for conversions you don’t need. Miovapay specializes in cross-border payments. We follow the money from your customer’s payment to your bank account, reviewing international card fees, charges built into exchange rates and unnecessary conversions.
Selling across borders? Reduce the extra costs of selling internationally
International sales shouldn’t mean paying for conversions you don’t need. Miovapay specializes in cross-border payments. We follow the money from your customer’s payment to your bank account, reviewing international card fees, charges built into exchange rates and unnecessary conversions.
Your payments.
Our expertise.
We are your dedicated payment expert. We handle the work for you - from provider discussions and implementation to ongoing monitoring.
1
Find out where you’re paying too much
Unnecessary fees, unsuitable pricing and avoidable currency conversions can cost your business. We review your last 3 months of statements and payment setup to identify where you could save. Within 48 hours of receiving your statements, you’ll get an initial assessment of the opportunities and recommended next steps. The review is free, with no obligation to proceed.
1
Find out where you’re paying too much
Unnecessary fees, unsuitable pricing and avoidable currency conversions can cost your business. We review your last 3 months of statements and payment setup to identify where you could save. Within 48 hours of receiving your statements, you’ll get an initial assessment of the opportunities and recommended next steps. The review is free, with no obligation to proceed.
2
Keep your provider. Lower your costs.
You shouldn’t have to switch providers or manage a complicated project to reduce your payment costs. We handle the implementation, from negotiating better terms to improving your payment setup and how you receive funds. We coordinate with your provider and your team, so you can focus on running your business.
2
Keep your provider. Lower your costs.
You shouldn’t have to switch providers or manage a complicated project to reduce your payment costs. We handle the implementation, from negotiating better terms to improving your payment setup and how you receive funds. We coordinate with your provider and your team, so you can focus on running your business.
3
Don’t let new fees undo your savings
A better deal today doesn’t guarantee lower costs tomorrow. New fees, rate increases and changes in your payment activity can eat into your savings. We review your statements every month, challenge charges that don’t match your terms and pursue corrections and refunds on your behalf. We also check that your pricing and setup remain cost-efficient as your business grows.
3
Don’t let new fees undo your savings
A better deal today doesn’t guarantee lower costs tomorrow. New fees, rate increases and changes in your payment activity can eat into your savings. We review your statements every month, challenge charges that don’t match your terms and pursue corrections and refunds on your behalf. We also check that your pricing and setup remain cost-efficient as your business grows.
Get an initial estimate of your potential savings. No statements needed.
Work directly with miovapay's founder
Work directly with miovapay's founder
Hi! I’m Antsa, miovapay’s founder. I bring over a decade of experience in banking and fintech - including 6 years at PayPal - specializing in payments, cost optimization and foreign exchange (FX).
I personally lead your review and work with your existing provider to implement improvements. Miovapay takes no commissions from payment providers, so every recommendation is made with your business in mind.
Hi! I’m Antsa, miovapay’s founder. I bring over a decade of experience in banking and fintech - including 6 years at PayPal - specializing in payments, cost optimization and foreign exchange (FX).
I personally lead your review and work with your existing provider to implement improvements. Miovapay takes no commissions from payment providers, so every recommendation is made with your business in mind.
Pay from your savings
Your initial assessment is free. Once we’ve identified potential savings, we’ll compare both pricing options and show you what you could keep after our fees.
No upfront fee
$0 Upfront
Then 50% of verfied savings for 12 months
For businesses that prefer to fund the work entirely through results
No savings, no fee
50% of savings shared for the first 12 months
Pay upfront, share less
Custom Upfront Fee
Then 30% of verified savings for 12 months
For businesses that prefer an upfront payment and a lower savings share
Upfront fee based on your payment setup’s complexity
Reduced savings share for the first 12 months
Typically recommended when expected savings are substantial
No upfront fee
$0 Upfront
Then 50% of verfied savings for 12 months
For businesses that prefer to fund the work entirely through results
No savings, no fee
50% of savings shared for the first 12 months
Pay upfront, share less
Custom Upfront Fee
Then 50% of verfied savings for 12 months
For businesses that prefer an upfront payment and a lower savings share
Upfront fee based on your payment setup’s complexity
Reduced savings share for the first 12 months
Typically recommended when expected savings are substantial
No upfront fee
$0 Upfront
Then 50% of verfied savings for 12 months
For businesses that prefer to fund the work entirely through results
No savings, no fee
50% of savings shared for the first 12 months
Pay upfront, share less
Custom Upfront Fee
Then 30% of verified savings for 12 months
For businesses that prefer an upfront payment and a lower savings share
Reduced savings share for the first 12 months
Upfront fee based on your payment setup’s complexity
Typically recommended when expected savings are substantial
Both options include detailed analysis, provider discussions, implementation and ongoing monitoring throughout the engagement.
Before you get started
1
Will I need to switch payment providers?
3
Can you help if all our customers are domestic?
4
How much could we save?
5
Can we work together in French?
2
We’ve already negotiated our fees. Can you still help?
Before you get started
1
Will I need to switch payment providers?
3
Can you help if all our customers are domestic?
4
How much could we save?
5
Can we work together in French?
2
We’ve already negotiated our fees. Can you still help?
Before you get started
1
Will I need to switch payment providers?
3
Can you help if all our customers are domestic?
4
How much could we save?
5
Can we work together in French?
2
We’ve already negotiated our fees. Can you still help?
Could you be paying less?
Find out whether we can reduce your payment costs without switching providers.
Could you be paying less?
Find out whether we can reduce your payment costs without switching providers.
Could you be paying less?
Find out whether we can reduce your payment costs without switching providers.