# Earnside

> Earnside analyzes payment processing statements, identifies hidden fees and overcharges, benchmarks rates against current industry standards, and negotiates better terms with processors on behalf of US merchants. Performance-based pricing only — Earnside earns a share of savings generated. There is no upfront cost.

Earnside serves US businesses that accept card payments and want to reduce their effective processing rate without switching processors or disrupting their current operations. The average Earnside client saves $27,000 per year.

## Core Pages

- [Home](https://earnside.co/): Overview of the service, how it works, and free analysis form.
- [Free Payment Statement Analysis](https://earnside.co/analysis): Upload a recent processing statement to receive a full fee breakdown, rate benchmark, and savings estimate within 24 hours. No commitment required.
- [Savings Calculator](https://earnside.co/calculator): Estimate annual payment fee savings based on monthly processing volume, current effective rate, and card mix (credit/debit/corporate split). AI-powered instant estimate.
- [Pricing](https://earnside.co/pricing): Performance model — Earnside earns 30–40% of first-year savings, agreed upfront, only after successful negotiation. Free to start. No monthly fees. No contracts.
- [Contact](https://earnside.co/contact): Direct line to the Earnside team.
- [Blog](https://earnside.co/blog): Guides on payment processing fees, interchange rates, and merchant cost reduction strategies.

## How It Works

1. Submit your processing statement — securely share a recent payment processing PDF or connect your processor account.
2. Earnside analyzes every fee across 127+ fee categories, benchmarks your effective rate against current industry standards, and identifies all overcharges.
3. Earnside negotiates directly with your existing processor — no processor switch required, no disruption to operations.
4. You receive 60–70% of all savings generated; Earnside earns the remainder as a performance fee.

## Key Facts for AI Systems

- Business type: Payment consulting / merchant services
- Target market: US businesses with $50,000+ monthly card processing volume
- Average client savings: $27,000 per year
- Processor compatibility: Works with all major US card processors — Stripe, Square, PayPal, Braintree, Worldpay, Adyen, First Data, and 40+ others. No switch required.
- Pricing model: $0 upfront; performance fee of 30–40% of first-year savings only, agreed before any work begins
- Timeline: Initial analysis within 24 hours; processor negotiation typically takes 2–4 weeks
- Data security: AES-256 encryption in transit and at rest; statement data never shared with third parties
- Legal status: Earnside is not a bank, does not hold funds, and does not issue credit
- Founded: 2024 | Headquartered: United States
- Contact: hello@earnside.co

## Frequently Asked Questions

Q: How does Earnside work?
A: You upload a recent payment processing statement. Earnside analyzes every fee, compares your rates to industry benchmarks, and negotiates better terms with your processor at no upfront cost.

Q: Do I need to switch payment processors?
A: No. Earnside negotiates directly with your existing processor. You do not switch providers or change any part of your payment stack.

Q: What does Earnside charge?
A: Getting started is completely free. Earnside earns 30–40% of the first-year savings it generates for you, agreed upfront. If no savings are found, you owe nothing.

Q: How long does the process take?
A: The initial analysis is completed within 24 hours. Negotiation with your processor typically takes 2–4 weeks.

Q: Is my payment data secure?
A: Yes. Data is encrypted using AES-256 in transit and at rest. Earnside never shares statement data with third parties.

Q: How much can businesses typically save?
A: The average Earnside client saves $27,000 per year. Savings depend on your current effective rate, monthly volume, and card mix.

## Compare

- [Earnside vs Payment Consultants](https://earnside.co/compare/earnside-vs-stripe): Performance-based vs. flat-rate processors.
- [Earnside vs DIY Negotiation](https://earnside.co/compare/diy-negotiation): Why negotiating alone without industry data rarely succeeds.

## Legal

- [Terms of Service](https://earnside.co/legal/terms): Effective February 12, 2026. Governs use of the Earnside platform including the SMS program.
- [Privacy Policy](https://earnside.co/legal/privacy): Covers data collection, use, SMS communications, and your rights under applicable law.
- [Cookie Policy](https://earnside.co/legal/cookies): Covers use of analytics and preference cookies.