Are you losing money
on card processing?
Get a free second opinion on your card fees. A human specialist reviews your processing statement and shows you your real rate, what's processor markup, and which fees you can push back on. Free, and you don't have to switch.
30 sec
To request a call
30 min
Human review of your statement
$0
Free, no obligation
Where you're leaking
Four places your processor is quietly winning.
Every merchant statement we audit has at least two of these. Most have all four.
Interchange padding
Your processor quietly marks up Visa/Mastercard's published interchange rates by 30–90 bps. It's invisible on the statement unless you know where to look.
Non-qualified downgrades
Rewards, corporate, and keyed-in cards get shoved into 'non-qualified' buckets, which can double your effective rate on those transactions.
Junk & assessment fees
PCI 'non-compliance' fees, batch fees, statement fees, IRS reporting fees, cross-border padding. Small line items, six-figure annual drag.
Tiered pricing traps
If your statement says 'qualified / mid-qualified / non-qualified', you're on the pricing model that is hardest to audit and usually the most expensive.
What we find
The fees hiding in your statement.
Every merchant statement we audit has at least two of these. Most have all six.
| Fee category | Typical impact |
|---|---|
| Interchange padding | $200–$900/mo |
| Non-qualified downgrades | $150–$600/mo |
| Junk statement fees | $25–$95/mo |
| Equipment lease padding | $40–$120/mo |
| Tiered pricing trap | 30–90 bps over |
| Annual & misc fees | $99–$295/yr |
Found in most statements we review. Your specialist will show you which ones apply to you.
How it works
Your number in. Your real rate out.
- 01
Leave your number
Tell us the best number and whether to call or text, and when. Takes about 30 seconds. There is no minimum volume and no statement needed to start.
- 02
Send your statement
A specialist reaches out at the time you picked and asks for your latest processing statement. Black out account numbers first if you like. Can't wait? Start with our AI assistant instead.
- 03
Get the findings
The specialist reviews it in about 30 minutes and walks you through your real rate, the markup, and the fees worth questioning. Whether to change anything is up to you.
The numbers
Your processor isn't doing you any favors.
These are the patterns we see across merchant statements from every major processor.
22–41%
Average overpayment
Most businesses pay significantly more than necessary in processing fees due to hidden markups and non-qualified downgrades.
Industry analysis of merchant statements
$200–$900/mo
Interchange padding
Processors quietly mark up Visa/Mastercard published rates. This alone accounts for the majority of unnecessary fees on most statements.
Typical audit findings across processors
4 of 4
Statements with junk fees
PCI non-compliance fees, batch fees, statement fees, and annual fees appear on virtually every merchant statement we review.
Audit pattern across major US processors
Who you'll talk to
Specialists who read every statement themselves.
Our human auditors are Americans based in South Florida, serving the rest of the country. They're merchant-services specialists with decades of industry experience, and they read each statement themselves.
When the specialist calls, you're talking to someone who has seen thousands of merchant statements, knows every processor's tricks, and can tell you in minutes whether your setup is competitive or costing you thousands.
Free fee review
Leave your number.
We'll do the digging.
A specialist calls or texts at the time you choose, gets your latest statement, and tells you exactly what you're paying. No credit card, no contract, and no need to switch.
Our human auditors are Americans based in South Florida, serving the rest of the country, with decades of merchant-services experience.
- Choose a call or a text, and when it suits you
- A human specialist reviews your own statement line by line
- See your real rate, the processor markup, and the fees worth questioning
- Want to start right now? Our AI assistant is available around the clock
Risk-free: If your current setup is already competitive, we'll tell you and end the call. No pressure, no follow-up.
Guides
Learn to read your own statement.
Plain-language guides to processing fees, pricing models, and contracts, with the published rates behind them.
How to Read a Merchant Processing Statement
A section-by-section walkthrough of a card processing statement: where the totals sit, how to spot the markup, and which lines to question first.
Read the guide StatementsHow to Calculate Your Effective Processing Rate
The one number that shows what card processing costs your business, how to calculate it from any statement, and how to judge whether yours is too high.
Read the guide Pricing modelsInterchange-Plus vs. Tiered vs. Flat-Rate Pricing
How the three common card processing pricing models work, what each one costs on the same month of sales, and which fits your business size and card mix.
Read the guide FeesWhat Are Interchange Fees and Who Sets Them?
Interchange is the largest part of every card fee. Learn who sets it, who receives it, why rates differ by card and sale type, and which parts you control.
Read the guide Fees13 Merchant Statement Fees Worth Questioning
A plain-language list of the add-on fees on card processing statements, which ones come from Visa and Mastercard, and which ones you can often get removed.
Read the guide Pricing modelsNon-Qualified Fees and Downgrades on Tiered Pricing
Why so many card sales land in the mid- and non-qualified tiers, what triggers a downgrade, and the specific fixes that move sales back to your lowest rate.
Read the guideFAQ
Answers before you ask.
How do I audit my credit card processing fees?
Leave the best phone number and whether you'd like a call or a text, and when. Any volume, including unknown, is welcome. A specialist then asks for your latest processing statement, which is needed for the full review; you can also attach it to the form to speed things up.
What hidden fees are in my merchant statement?
The fees most worth checking are processor markup added on top of Visa and Mastercard's published interchange, downgrades of rewards, business, and keyed-in cards to higher-priced tiers, add-on charges such as PCI non-compliance, batch, statement, and annual fees, and equipment lease payments. Most statements we review have several of these.
How much do businesses overpay on credit card processing?
It depends on the pricing model and card mix, so any single average would mislead. Compare your effective rate, which is total fees divided by total card sales, with the interchange and network-fee floor for your mix of cards. A markup well above 0.5% of volume and add-on fees totaling several hundred dollars a year are common signs of overpaying, and a free statement review shows where the difference goes.
Is the merchant statement audit really free?
Yes. We only earn if you decide to switch to a processor we have vetted after the specialist reviews your setup. If your current setup is already competitive, we tell you and end the call. There is no credit card, contract, or obligation.
Who are the auditors?
Our auditors are U.S.-based merchant-services specialists in South Florida who work with businesses across the country. They have decades of industry experience and review statements themselves instead of passing you through a call center. When the specialist calls, you're talking to someone who has seen thousands of merchant statements and can tell you in minutes whether your setup is competitive.
Do I need to upload my processing statement?
Not to get started. Your phone number is all we need. The full human review does need a processing statement: attach it to the form, send it after the specialist reaches out, or upload it with our AI assistant. Black out account and customer details first if you like.
How is my data handled during the audit?
Your details and any uploaded statements are used only for your fee audit and specialist review. We do not share your data with third parties for training. See our privacy policy for details.
What types of businesses can benefit from a fee audit?
US-based businesses of any card-processing volume can request a health check. We categorize volume, including under $10,000 per month or not yet known, rather than using it to reject an inquiry. We work with retail, e-commerce, mobile and face-to-face services, education, professional services, and more. Specialist availability depends on the business's remaining requirements.
What is interchange padding and how do I spot it?
Interchange padding is processor markup hidden inside rates labeled as interchange, so the interchange lines on your statement come out higher than the rates Visa and Mastercard publish. It is invisible on most statements unless you know where to look. A fee audit compares the interchange rates you were charged against the published tables to find the markup.
What are non-qualified downgrades?
Non-qualified downgrades happen when a tiered pricing plan pushes rewards, corporate, or keyed-in card sales into higher-priced tiers, which can add a percentage point or more to those transactions. If your statement shows qualified, mid-qualified, and non-qualified tiers, you are on the pricing model that is hardest to audit and usually the most expensive.
How long does a merchant statement audit take?
Requesting a call takes about 30 seconds. Once the specialist has your processing statement, the full fee review takes about 30 minutes, and they go over the findings with you by phone.