Most merchants can't answer that — and that's exactly how processors like it. Get a free, plain-English audit of your processing costs: your true effective rate, the fees that shouldn't be there, and what you could actually save.
Request my free audit Calculate my rate first (60 seconds)These are the complaints we hear from merchants every week. Any one of them usually means real money left on the table.
Three steps. About two minutes of your time now, and the analysis is done for you.
Fill in the short form below — your business, who's processing your cards today, roughly how much you run per month, and what's frustrating you. That's all we collect here.
A real processing specialist reaches out and arranges for you to send your current statement directly to them, through a secure channel. Never upload statements to this website.
You receive your true effective rate, a line-by-line of what you're paying for, and an honest savings estimate. Switch, negotiate, or stay put — the report is yours either way.
Not a teaser — the actual numbers, with the assumptions shown.
Total fees ÷ total volume. The one number your statement works hard to hide, calculated exactly.
PCI, statement, batch, "service" and other padding — flagged line by line, with what each one really is.
What you'd pay on a transparent plan at your current volume, and the leverage points if you'd rather negotiate with your current processor.
Two minutes. A specialist — not a call center — will contact you to arrange secure delivery of your statement.
Yes. No charge for the analysis or the report, and no obligation to switch processors afterwards. See "Why is it free?" above — we'd rather be upfront about how we get paid.
Don't send it here. After you submit the form, your specialist contacts you and arranges delivery directly to them through a secure channel. Statements contain sensitive account information; this website never receives or stores them.
The form takes about two minutes. Once your specialist has your statement, the audit is typically turned around within a few business days.
You'll get your numbers and one clear option, explained. If the savings aren't real for your business, the report says so — a specialist who burns your trust on a bad switch doesn't keep merchants for long.
Often, yes. Knowing your true costs is leverage at renewal, and in some cases the savings outweigh an early termination fee — the audit shows that math either way.