Every question owners ask, answered on a card.

It reads four kinds of business bill: card processing, electricity, UPS and FedEx shipping, and software subscriptions. Each is checked against something fixed: the price your processor publishes, the tariff your utility filed with the state, the rates in your shipping agreement, and your own count of who uses each software seat.

Where you pay more than you need to, the review shows the line, the arithmetic, and what to say to fix it.

From the documents that set the price, not a sales page. Card processing: each processor's published pricing (or, where a processor does not publish one, a named report of it), and the base rates Visa and Mastercard publish for every kind of card, called interchange. Electricity: the tariff your utility publishes, filed with its state regulator or approved by its board: the price list it bills by. Shipping: your own rate agreement. Software: your own invoices and user list.

The Rate Index lists its sources and when each was read.

Three checks before a figure reaches you. The figures read off your bill must add up to the bill's own total, or the review stops and asks. Every electricity tariff and every card price it uses has been checked a second time, separately, against a fresh copy of the source. And a person reads every finding before anything goes out.

Then you can check it yourself: every finding shows the line on your bill, what it is checked against, and the arithmetic. And the fee is worked out on what your later bill actually shows, so if a finding turns out smaller than the report said, so does the fee (unless you go quiet; see Fees).

If you pay one of these four bills every month, yes. Restaurants, shops, clinics, hotels, online stores, offices: the review reads the bill, not the business.

Card processing, shipping and software reviews work anywhere in the United States. Electricity reviews cover the main commercial rates of one utility in each of 49 states, priced from its filed tariff; in most states it is the largest. Where you buy power from a separate supplier, the review covers the utility's delivery charges. If your utility or rate is not entered, we say so, and enter its filed tariff where it can be priced.

You can, and nothing here stops you. To do it well you need three things: what your price costs all in, how that compares with the price your processor publishes, and which lines are the processor's own markup rather than card-network fees nobody can change.

The free check gives you the first two in a minute. A statement read line by line shows the third. A review does all three on your own statement and hands you the lines and the wording, so the call is short and specific. Either way, you make the call.

No. DEKALOS never contacts your vendors. You do, holding the finding, the arithmetic behind it and the wording to use. Nobody signs anything on your behalf.

No. You decide what to do with each finding. Some are fixed by asking your current vendor for a different price or plan; switching is always your choice, never a condition.

Not to get the free summary. The itemised report comes with a written agreement you read before signing. A one-off review is invoiced once, if a saving is confirmed. Monitoring runs month to month and stops at the end of the month you ask.

On Check your card rate you pick your processor and type three figures from last month's statement. The page writes out that processor's published price for your month and your year. Nothing leaves the page unless you send it.

One recent monthly statement, downloaded as a PDF from your processor's online portal, and your kind of business. Email it to contact@dekalos.com.

Would rather not send the document? Prepare it in your browser: the page reads the statement on your own device and sends only the numbers.

One recent bill, as the PDF from your utility's online account, emailed to contact@dekalos.com. That is enough for most findings.

Some findings depend on history the bill cannot show, such as a peak from months ago still setting your demand charge, or a rate you qualify for only after twelve months under a limit. For those, the report says so and asks for the earlier bills.

One month's UPS or FedEx invoice, and your rate agreement: the pages of your contract that list your discounts and surcharges. Email both to contact@dekalos.com. Every shipment is checked against the rate you agreed.

Parcel only. Pallet and truckload freight is a different kind of document and is not reviewed.

Your recent invoices for each tool, and a user list exported from each tool's admin page: who has a seat, and when they last signed in. Email them to contact@dekalos.com. That is how a seat nobody uses is found.

Never a login or password. You export the list; we read the file.

Please don't. The review reads the text inside the file, and a photo or scan has none to read reliably. The PDF from the vendor's portal is what works.

Logins, passwords, API keys, full card numbers, and anything about your customers. If one is offered, we decline it.

Your statement is reduced to its figures and the document is deleted. The name, merchant number and account details printed on it are not kept. The privacy policy sets out exactly what is kept, and for how long.

One email. On request every record relating to you is deleted, except what the law or a dispute requires, and you receive confirmation when it is done.

A first reply, usually within one business day, confirming we have it, and a summary of the findings usually within two to three business days. Anything unusual on a bill, such as a fee not seen before or an unfamiliar layout, is checked by a person before anything goes out, which occasionally adds a day.

First, a free summary: the estimated total, how many findings, and which bill they concern. No fee applies to it.

After you sign, the itemised report: each finding, the arithmetic behind it, and the wording to use with your vendor.

Then the summary says so, in writing, and there is no success fee.

Nothing for the review. If it finds a saving and you act on it, the success fee is 35% of 12 months of the saving (25% with monitoring), invoiced once, after a later bill confirms the new price. A saving of $100 a month means a fee of $420, once.

No saving, no fee. Every term is on Pricing.

On the first bill dated 60 or more days after the report, if it shows the saving. The fee is worked out on what that bill shows, invoiced once, and due 7 days from the invoice date.

The fee is worked out on the smaller amount. With the pricing example, a report finds $3,455 a month (a fee of $14,511); if the later bill shows $2,000, the fee is $8,400. If it shows no saving, there is no fee.

Send one line saying so, within 75 days of the report. That ends it: no fee. If you make a matching saving yourself within 12 months, by negotiating or by switching, tell us within 30 days and send the bill that shows it; the fee then works as above.

One rule to know first. If you go quiet, sending neither the later bill nor that one line, we send a reminder; if 15 more days pass with no reply, the fee is worked out on the saving the report estimated.

Everything else is paid on what your own bill shows.

Yes, when it is over $1,500: up to 5 equal monthly payments on a one-off review, or 3 on monitoring, with no interest and the same total. Ask in writing before the due date. With the example, a $14,511 fee is 5 payments of $2,902.20.

Once agreed, the payments do not change if the saving later ends.

No success fee is invoiced when a report's total fee would be under $100.

Some demand charges are set by an old peak that drops out after a fixed number of months. When a finding is one of those, the report names the month it drops out, and the fee counts only the months before then.

A review every month instead of once. It is $99 a month for up to 5 locations and $15 a month for each location beyond that, billed monthly in advance, with no free trial. The success fee on anything it finds drops to 25% of 12 months.

For card processing, your statement goes to a private DEKALOS address you set up once. It is read, reduced to its figures, and the document is deleted within minutes. You receive a short email: your last few months in a table, which way your rate moved, the one line that moved it, and the full report attached.

One email. Monitoring stops at the end of the month you ask.

Each business you refer that names you, and only you, when it signs, and then pays its first DEKALOS invoice in full, credits $396 to your account, applied to your next invoice or held until there is one. Three referrals, $1,188, cover a full year of monitoring for up to 5 locations. The fourth credits $396 like the first. A credit is not cash, and unused credit lapses when your agreement ends.

The referral request arrives with your findings, before any money is recovered, so any recommendation you make rests on an estimate.

Yes. DEKALOS opened in September 2026. Every finding shows the line on your bill, what it is checked against (a published price, a filed tariff, or your own records), and the arithmetic, so you can check each one against your own statement before you act on it.

Yes. DEKALOS is not a processor, a utility, a carrier or a broker, and sells no switching service. It is paid only by its clients, through the fees on Pricing, and has no commission arrangement with any processor, utility or carrier. That is why a review can say your current vendor is the right one.

No. As of September 30, 2026, DEKALOS has not been party to any lawsuit or regulatory action.