What Is an Effective Processing Rate?
Learn how to calculate what percentage of your card sales went toward processing costs.
Read Guide →Merchant processing statement analysis
Know What You're Really Paying for Credit Card Processing
Upload a merchant processing statement and Merchant Rate Auditor analyzes your rates, fees, and costs — so you understand exactly what you're paying to accept card payments.
No processor connection or credit card required to begin.
What your scan reviews
Effective Processing Rate
Understand processing cost as a percentage of your card sales.
Recurring Fees
See recurring account, statement, PCI, program, and similar charges.
Pricing Changes
Surface rate or pricing changes that warrant closer review.
Statement Findings
Get findings presented in plain English, not processor jargon.
Spot hidden fees and overcharges
Get clear, actionable insights
Keep more of what you earn
Built for merchants, not processors
How it works
From statement to findings in three steps.
No processor connection, no credit card, and no obligation to start — just upload your statement and see what it shows.
01
Upload Your Statement
Upload a recent merchant processing statement (PDF, PNG, or JPEG) to your account.
02
We Analyze the Details
Merchant Rate Auditor reviews your rates, fees, and charges and calculates your effective processing rate.
03
Review Your Findings
See your results in plain English and decide whether ongoing monitoring makes sense for your business.
What we review
Your processing statement tells a bigger story.
Merchant Rate Auditor reviews the individual fees, pricing changes, services, and supporting terms behind your processing costs — not just the total at the bottom of the statement.
01
Transaction Pricing
We review transaction rates, processor markup, and the pricing applied to your sales.
02
Monthly & Recurring Fees
We identify recurring account, statement, PCI, program, and other scheduled charges.
03
Processor-Added Services
We review optional or bundled services that may have been added to the account over time.
04
Rate & Pricing Changes
We look for increases or pricing changes that may require comparison with earlier terms or notices.
05
Agreements & Amendments
When needed, we compare statement charges with agreements, pricing schedules, amendments, and processor notices.
06
Statement-Specific Charges
We review unusual, one-time, or irregular charges that deserve closer examination.
Who it's for
Built for the businesses that accept card payments every day.
Restaurants
Card-present transaction fees and equipment charges can add up fast — see exactly what's on your statement.
Contractors & Home Services
Invoiced and card-not-present payments often carry different rates — understand what you're really paying per job.
Retail
In-store and online sales can be priced differently — see how each channel is really charged.
Salons & Spas
Recurring terminal and service fees can quietly grow over time — review what's actually being charged.
Other Small Businesses
If you accept card payments, your statement has a story to tell — upload it and see what it says.
Ready to see what your processing statement is really telling you?
Get My Free Statement ScanSimple, Transparent Pricing
Start with a Free Statement Scan. Move to Monitor or Pro only if ongoing review makes sense for your business. No long-term contracts.
Free Statement Scan
$0
See what your statement is really telling you.
- Upload a statement
- See key findings
- No obligation
Most Popular
Monitor
$49/mo
Ongoing review for active merchants.
- Ongoing statement review
- Detailed fee analysis
- Savings recommendations
- Reports on each reviewed statement
Pro
$149/mo
For multi-location and higher-volume merchants.
- Everything in Monitor
- Priority support
- Priority review of submitted statements
- Dedicated analyst
Savings are not guaranteed. Confirmed Savings require verified evidence.
Frequently asked questions
Common questions about the Free Statement Scan.
What is a merchant processing statement?
A merchant processing statement is the monthly statement your credit card processor sends showing your transaction volume, rates, fees, and any other charges applied to your account.
What does the Free Statement Scan analyze?
Upload your statement and Merchant Rate Auditor reviews transaction pricing, monthly and recurring fees, processor-added services, rate or pricing changes, and unusual charges to help you understand your effective processing rate.
How long does the analysis take?
Most Free Statement Scans are reviewed within a few business days. You'll be notified once your findings are ready to review.
Is my statement secure?
Your statement is stored securely and reviewed only by an authorized Merchant Rate Auditor reviewer. We do not sell your information, and we do not store full card numbers or bank account details.
Do I need to change processors?
No. Merchant Rate Auditor reviews your statement and does not require you to switch processors or connect your processing account.
What happens after the Free Scan?
You'll be able to review your findings in your account. If you'd like ongoing review, you can choose Monitor or Pro at any time — there's no obligation to upgrade.
What is the difference between Monitor and Pro?
Monitor provides ongoing statement review and fee analysis for a single business. Pro includes everything in Monitor plus priority review and additional support for higher-volume or multi-location merchants.
Merchant Fee Guides
Learn how merchant processing fees work and what to look for on your statements.
No processor connection required
Just upload your statement (PDF, PNG, or JPEG).
Merchant Rate Auditor does not hold or move your funds
We only analyze your statements. Your money stays with you.
Savings counted only when documented and verified
Real issues. Real numbers. No hypothetical savings.