There are about 14 million businesses in America alone that accept credit cards. Some of them are not aware of the hidden fees they are paying to process credit card transactions, and they should all know exactly how much they are paying for Visa Master Card services, or for the ISOs (Independent Sales Organizations) and MSPs (Merchant Service Providers).



As overspending is inherent within the traditional merchant service channels, Visa Master Card suggest getting rid of that channel. When Visa Master Card were born, they created ISOs and MSPs to advertise, but now as they are fully grown and everybody knows what they are, they do not need advertising. ISOs and MSPs create excess spending without adding any real value to a business, because while they were needed in the beginning, now Visa Master Card no longer need these types of sales channels.

The excess spending is created because ISOs/MSPs charge every business a percentage and transaction fees on top of what Visa Master Card charge, along with fees that are not visible.

A bank association is a hollow shell which holds issuing banks and acquiring banks, and Visa Master Card are bank associations. Issuing banks issue credit cards. Acquiring banks process or fund all transactions, thus they are Visa and Master Card's processing center.

A portfolio manager for Visa and Master Card is used for auditing businesses statements, allowing them to see how much they are currently spending over wholesale. This will provide an in-depth analysis on three months of merchant statements, which will tell what is being charged and how it affects overhead, what wholesale pricing truly is, and what net savings a business gains when accepted into this portfolio.