Every fee on your statement, named, usually within 4 hours
Processing statements are built to be confusing. Ours is a human reading yours line by line and telling you, in plain language, exactly where your money goes — back to you, usually within 4 hours, not the twenty-four everyone else quotes.
- Your true effective rate, calculated from real totals
- Every fee identified, with who collects it and why
- Negotiable lines separated from genuinely fixed cost
- Side-by-side comparison against a correctly structured account
- The dollar difference per month and per year
- Yours to keep whether you switch or not
Step 1 of 4 · takes about 40 seconds
What the report looks like
This is an anonymised sample with made-up numbers, so you can see the format before you send anything. Your report uses your own statement totals.
| Line on the statement | What it is | Who keeps it | Amount | Our note |
|---|---|---|---|---|
| MC/VI QUAL CR | Card-brand interchange | Card issuers and networks | $1,412.08 | Fixed cost |
| NQ SURCHG ADJ | “Non-qualified” downgrade | Processor | $318.72 | Markup — challenge |
| SVC CHG - MTHLY | Monthly statement fee | Processor | $29.95 | Pure margin — challenge |
| PCI NC FEE | PCI non-compliance fee | Processor | $99.00 | Often avoidable by completing the PCI questionnaire |
| BTCH/STL ITEM | Batch and settlement items | Processor or gateway | $62.40 | Often negotiable |
| ANNL ACCT MAINT | Annual maintenance, billed monthly | Processor | $14.95 | Pure margin — challenge |
- Card volume
- $68,000
- Total fees
- $1,937.10
- Effective rate
- 2.85%
- Fees we would challenge
- $525.02 /mo
Sample only. Made-up numbers. What you can actually save depends on your card mix, ticket size, volume and the offers providers make.
The provider pays us. You never get a bill from us.
We charge you nothing. We are paid by the payment provider you choose, generally as a share of the processing margin on your account, for as long as the account stays active. Arrangements differ between providers, and we will tell you the nature of ours on your account if you ask.
Four steps, and you can stop at any of them
You send
One recent statement, all pages. Secure upload link provided.
We read
A human analyst, not a widget. Every line identified and categorised.
You get the report
Usually within 4 hours, in plain language, with the maths shown.
You decide
Switch, negotiate with your current provider, or do nothing. No follow-up pressure.
Same free analysis, read for your kind of business
Restaurant statement analysis
CPS/Restaurant vs downgrades, tip-adjustment timing, delivery-app commissions and PCI/statement fees, read line by line.
See what we look forRetail statement analysis
CPS/Retail vs keyed-entry rates, debit routing, and returns and chargeback exposure, read line by line.
See what we look forStatement analysis questions
One recent monthly processing statement — all pages, including the fee schedule. A PDF or clear photos are fine. If you cannot find it, we will tell you exactly where to download it from your provider's portal.
Yes. You keep the analysis whether or not you switch. Some merchants take it back to their current provider and negotiate — that is a legitimate outcome and we still consider the work well spent.
Never without your written permission. Nothing about your account changes unless you decide to move.
Usually within 4 hours. Many come back the same day.
Then we tell you so, in writing, and you keep the report.