Funeral Home Payment Cost Clarity
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A consultative approach for funeral home operators who want clear visibility into payment costs, reduced fee leakage, and stronger margins as their business grows.
Most funeral home operators never intentionally review their payment setup — it often evolves organically as services, invoices, phone payments, and terminal transactions get added.
The result is usually a fragmented system with limited visibility into:
• The true all-in cost of accepting cards
• Where higher-cost transactions are occurring (deposits, split payments, invoices, card-not-present, etc.)
• How processing fees are actually impacting overall margin
PayRight Systems works with independent funeral homes and smaller groups to bring clarity to this part of the business.
Not by pushing a “switch,” but by offering a clear, honest second look at how payments are functioning today.
Common Issues We See in Funeral Homes
Arrangements are often taken over the phone, which pushes transactions into higher-cost categories without anyone realizing the impact.
❋ Phone & Keyed Payments❋ Legacy Systems & Bolt-On PaymentsMany funeral management systems weren’t designed with transparent payment reporting in mind, which makes it difficult to see true all-in cost.
❋ Split & Staggered PaymentsDeposits, partial payments, and final balances are processed days or weeks apart, yet rarely reviewed for how that affects overall effective cost.
❋ Fee Blind SpotsMost operators are told they’re paying “around 2.9%,” but have never actually seen a breakdown of their true effective rate across services.
Merchandise, service packages, and specialized charges are processed differently, yet rarely analyzed for how fees impact overall profitability.
Sometimes the conclusion is: everything looks fine.
Other times, we uncover blind spots that have quietly impacted margin for years.
❋ Hidden Margin Erosion 
Our Approach for Funeral Homes
PayRight is not a traditional “merchant services sales model.”
Our work with venue operators typically looks like this:
Discovery Call
Understand how your funeral home currently accepts payments and what tools you use.
Payment cost review
We review your statements, merchant accounts, POS/terminal flows, and invoice processing.Findings & Options
You receive a clear explanation of what we see — in plain English — and options worth considering.You decide Next Steps
Some clients make changes. Others simply value the clarity. There is no pressure either way.
• Independent funeral home operators
• Multi-location funeral home groups
• Funeral directors who manage multiple locations
• Operators who want clarity on how payment costs affect margin
• Businesses with invoice, phone, and terminal payments
Who This Is Best For?
If it would be helpful, you’re welcome to request a complimentary review of your current set up.
There’s no obligation and no pressure to make changes.
Many venue owners simply appreciate having a clear second set of eyes.
Get Your Free Review
You don’t need to switch providers.
You don’t need to commit to anything.
You don’t even need to “shop rates.”
This is simply an opportunity to have someone experienced review your current setup and tell you, honestly, whether anything stands out.
Funeral home owners usually walk away with:
Clear understanding of their true effective rate
Better visibility into where higher-cost transactions occur
Confirmation that their current setup is solid — or clarity on what could be improved
Sometimes the answer is: you’re already in a good place.
And that’s still a win.
Get a Second Set of Eyes
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