Independent Merchant Statement Audit & Renegotiation Advisory.
We work for you — not the processor.
Let Us Take Care Of Everything
We’re an independent, founder-led payments advisory firm. We audit your merchant statements, identify fee leakage and contract risk, then renegotiate with your current provider on your behalf.
Most Businesses Don’t Know Their True Effective Rate.
Built from the inside of the banking system, CAALL was founded by a former banking professional Bruno Mendicino. With his direct experience in merchant processing, contract structuring, and pricing models, and after years inside the system, one reality became clear
Most businesses overpay — not because they negotiate poorly — but because the system lacks transparency.
CAALL was built to change that.
We operate independently.
We do not process payments.
We audit.
We analyze.
We renegotiate.
We verify.
Our role is simple: protect your margins.
Most Businesses Don’t Know Their True Effective Rate.
Built from the inside of the banking system, CAALL was founded by a former banking professional Bruno Mendicino. With his direct experience in merchant processing, contract structuring, and pricing models, and after years inside the system, one reality became clear
Most businesses overpay — not because they negotiate poorly — but because the system lacks transparency.
Our role is simple: protect your margins.
Create meaningful experiences with your customers
Support customers where they are in real time
Find merchant processing, webstore development solutions, and more.
Clear process. Transparent fees. No hidden incentives.
Before recommending any engagement, we start with a high-level scan.
We use MarginIQ™, our proprietary analysis framework and scanner tool, to quickly identify:
This is not a sales call.
It’s a structured 15–30 minute review to determine whether a full audit is financially worthwhile.
If everything looks properly structured, we’ll tell you.
If there’s meaningful leakage, we’ll outline next steps clearly.
If the scan indicates opportunity, we move to a full reconstruction.
This includes:
You will leave with:
If you prefer professional support implementing the strategy, we represent you directly.
This includes:
If renegotiation does not produce competitive results, we may present:
This step is optional.
Our first objective is always optimization of your current agreement.
If switching is strategically advantageous, you receive a structured comparison report before making any decision.
