3% Back is a boutique advisory of former network, processor, and issuer insiders. We put high-volume merchants into the highest-reward credit cards, cut processing costs, and negotiate interchange the way the big players do.
We work the whole stack — the card in your wallet, the rails underneath, and the rates almost no one negotiates.
"The rates you're quoted were designed to be accepted, not negotiated. We spent years on the other side of that table."
Interchange, assessments, padding, tiered pricing — we read a statement the way we wrote them.
No referral kickbacks steering our advice. Our only incentive is your bottom line.
Strategies built for merchants processing millions — not off-the-shelf small-business playbooks.
A small bench of senior operators from across the payments world — network strategy, acquiring, and card products. We stay low-profile by design; you meet the whole bench on day one.
Send us a recent processing statement and we'll come back with a plain-English read on your rewards ceiling, your effective rate, and where the savings are.