In this episode of Monument Matters, we explore how MBNA members can take control of credit card processing costs without changing providers or disrupting daily operations. Host Mike Johns is joined by Merchant Advocate’s Howard Goldstein and MBNA member Ryan Worthington, who shares her firsthand experience using the service. The conversation breaks down why processing statements are so hard to understand, how hidden fees add up, and how a performance-based advocacy model can deliver real savings. It’s a practical, easy-to-follow discussion focused on protecting margins, reducing stress, and helping monument businesses keep more of what they earn.