What is the Business Processing X-Ray?

The Business Processing X-Ray is a free, no-obligation review of your merchant services situation. Randall Davis at Davway Solutions analyzes your payment processing setup — effective rates, monthly fees, equipment, and processor fit — and provides written findings with no sales pressure.

Do I need a processing statement to get started?

No. While uploading a recent processing statement allows for the most detailed review, you can also start by sharing basic information about your business and processing situation. Randall will reach out and work through the rest with you.

Is the Business Processing X-Ray really free?

Yes, completely free. There is no cost, no obligation, and no sales pitch attached. If the review shows you are well-served by your current processor, Randall will tell you that. If it shows avoidable costs, he will show you options — but you are never required to act on them.

How long does the review take?

If you upload a processing statement, you typically receive written findings within 48 hours. If you start with basic information, Randall will contact you promptly to gather what he needs and discuss next steps.

What businesses does Davway Solutions serve?

Davway Solutions works with independently owned businesses across the United States — restaurants, retail stores, auto services, professional services, home services, and more — processing roughly $20,000 to $500,000 or more per month in card payments. We have deep community roots in Michigan and serve clients nationwide.

Free Business Processing X-Ray

Find Out If Your Business Is Overpaying for Processing

Q: Is Davway Solutions a payment processor?

No. Davway Solutions is an independent merchant services advisor. We do not process payments directly. Our role is to evaluate your situation honestly and connect you with the right processing partner if one exists — with no financial incentive to steer you toward any particular solution.

Get a free Business Processing X-Ray in minutes — no statement required, no sales pitch, no obligation.

Upload My Statement No Statement? Start Here

No obligation. No sales call forced. Randall responds personally.

Focused businessman in a suit reviewing financial graphs at work.

Randall Davis

Your Processing Advocate · Davway Solutions

I review merchant statements, identify unnecessary fees, and connect business owners with the right payment partners — at no cost to you.

Serving Independent Businesses Nationwide

No-Obligation Review

Secure Statement Upload

Michigan Roots, Nationwide Reach

Results in 48 Hours

The Problem

Most business owners don't know their true processing cost.

Payment processors send statements designed to confuse. Dozens of line items, obscure fee codes, rate tiers that shift without warning. You accepted the deal at signup — but that deal may have changed.

The industry average effective rate is 2.5–3.5%. Many independent businesses pay more — sometimes much more — without realizing it.

Common hidden charges we find

Inflated effective rates

Your "qualified" rate is only part of the story — mid-qualified and non-qualified tiers push real costs far higher.
Monthly junk fees

Statement fees, PCI non-compliance fees, regulatory fees — many are discretionary charges you may not have agreed to.
Outdated equipment costs

Leased terminals at $50–$100/month — for equipment that costs a fraction of that to own outright.
Rate creep over time

Processors routinely adjust rates after the initial agreement. Most owners never notice because the statement doesn't flag the change.
Wrong processing model

Tiered pricing, flat-rate, interchange-plus — the wrong model for your business type can cost hundreds per month.

Confident male shop owner with arms crossed in a rustic village store.

"I had no idea what I was actually paying until someone took the time to show me."

The Solution

The Business Processing X-Ray — Free, Fast, No Pressure

This is not a sales tool. It's a diagnostic. Randall reviews your processing situation and tells you exactly what he finds — whether you're well-served or not.

Your effective processing rate

The real number — total fees divided by total volume — not the teaser rate on your welcome letter.

Monthly fee breakdown

Every line item examined: which are standard, which are avoidable, which signal a problem account setup.

Equipment and POS fit

Whether your current terminal, POS system, or invoicing setup still serves the way you do business today.

Processor fit assessment

Whether your current processor's pricing model is right for your volume, card mix, and business type.

Cash flow impact estimate

A plain-English summary of what a better setup could mean in dollars per month — not a projection, a real estimate.

Next-step recommendations

If there's a better option, Randall connects you with a vetted processing partner. If you're well-served, he'll tell you that too.

Two ways to begin — choose what works for you

Upload a Processing Statement

The most detailed review. Upload your most recent merchant statement (PDF) and Randall will analyze your actual rates, fees, and account structure — line by line.

Full effective rate calculation
Line-by-line fee review
Equipment and account audit
Detailed written findings

Upload My Statement

Submitted securely via encrypted transfer

Start Without a Statement

No statement available right now? No problem. Share a few basics about your business and processing situation — Randall will reach out to walk through the rest together.

Business type and volume range
Current processor (if known)
Primary pain point or concern
Best way to connect with you

Share Basic Information

Takes about 3 minutes. No commitment.

Why Davway

You need an advisor, not another processor trying to win your account.

Davway Solutions is not a payment processor. We have no product to sell, no quota to fill. Our job is to evaluate your situation honestly and connect you with the right partner if one exists.

Professional business meeting with a handshake between consultant and client at an office.

Randall Davis

Founder · Davway Solutions · Michigan

Independent

We work for you — not a processor

Processors have incentives to keep you on their plan. Davway has one incentive: give you an honest picture of what is happening with your money. We are not compensated to steer you toward any particular solution.
No Statement Required

Start the conversation without digging through paperwork

Most reviews require a statement before anyone will talk to you. We built two paths on purpose: if you have a statement, upload it. If you do not, that does not stop us from getting started. We will work with what you have.
Real Analysis

Actual numbers, not vague promises

We calculate your effective rate, identify specific fee categories, and quantify what a different structure could mean in dollars per month. Not vague promises about savings. Real figures based on your real volume.
Qualified Partners

Connected to vetted processing partners

When the analysis shows a better option exists, Davway connects you with a processing partner that is a genuine fit — not the first one who pays a referral fee. We qualify the match both ways.
Beyond Processing

POS, invoicing, and operational solutions too

Payment processing is only one piece. If your POS system is outdated, your invoicing is manual, or your ACH setup is costing you time, we look at those too — because cash flow is the whole picture.

2.5–3.5%

Industry average effective rate — many independents pay above this range

$300+/mo

Common monthly overage identified in a typical merchant statement review

48hrs

Typical turnaround from statement submission to written findings from Randall

Cost to you for the complete Business Processing X-Ray — no obligation attached

Figures reflect common patterns seen in merchant statement reviews. Individual results vary by processor, volume, and account structure.

What Business Owners Say

I was skeptical. Every processor I've spoken to in the past was just trying to get my account. Randall was different — he actually showed me the numbers, told me where the overcharges were, and gave me options. I didn't feel pushed. I felt informed.

Maria V.

Owner, Full-Service Restaurant · Metro Detroit, MI

"We had been with the same processor for six years. Turned out we were on a tiered pricing model that hadn't been updated since we signed. The X-Ray found $180 a month in unnecessary fees in about 20 minutes."

David K. · Auto Repair Shop Owner · Lansing, MI

"I didn't have my statement handy when I first reached out. Randall didn't make that a barrier. He just asked a few questions, walked me through the process, and we figured out a plan from there."

Tamika R. · Retail Boutique Owner · Grand Rapids, MI

"What I appreciate is that he told me my current processor was actually competitive for my volume. Not what I expected — but it built a lot of trust. I'll call him the next time my situation changes."

James T. · Professional Services · Ann Arbor, MI

Close-up of contactless payment with credit card on a terminal beside a coffee cup.

The right POS setup should work for you — not cost you.

Start Your Free X-Ray

The review is free. The findings are yours. There is no catch.

If the X-Ray shows you're well-served, we'll tell you that. If it shows avoidable costs, we'll show you the path to a better deal. Either way, you leave with more information than you came with — and no obligation to do anything.

Upload My Statement No Statement? Start Here

Or reach Randall directly: info@davwaysolutions.com

This review includes

Effective rate calculation
Fee-by-fee breakdown
Equipment and POS assessment
Processor fit analysis
Cash flow impact estimate
Written findings from Randall
No sales pitch. No obligation.

Find Out If Your Business Is Overpaying for Processing

Most business owners don't know their true processing cost.

The Business Processing X-Ray — Free, Fast, No Pressure

Upload a Processing Statement

Start Without a Statement

You need an advisor, not another processor trying to win your account.

We work for you — not a processor

Start the conversation without digging through paperwork

Actual numbers, not vague promises

Connected to vetted processing partners

POS, invoicing, and operational solutions too

The review is free. The findings are yours. There is no catch.