Merchant processing fee analysis
Know what your processor is really charging you.
Merchant Rate Auditor analyzes your processing statement to identify fees, pricing issues, recurring charges, and other items that may deserve a closer look.
No processor connection required to begin.
Sign in to your Merchant Rate Auditor account to review your statements, findings, supporting documents, and verified results.
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Spot hidden fees and overcharges
Get clear, actionable insights
Keep more of what you earn
Built for merchants, not processors
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.
Transaction Pricing
We review transaction rates, processor markup, and the pricing applied to your sales.
Monthly & Recurring Fees
We identify recurring account, statement, PCI, program, and other scheduled charges.
Processor-Added Services
We review optional or bundled services that may have been added to the account over time.
Rate & Pricing Changes
We look for increases or pricing changes that may require comparison with earlier terms or notices.
Agreements & Amendments
When needed, we compare statement charges with agreements, pricing schedules, amendments, and processor notices.
Statement-Specific Charges
We review unusual, one-time, or irregular charges that deserve closer examination.
Simple, Transparent Pricing
Choose the plan that fits your business. No long-term contracts.
See what your statement is really telling you.
- Upload a statement
- See key findings
- No obligation
Ongoing review for active merchants.
- Ongoing monitoring
- Detailed fee analysis
- Savings recommendations
- Monthly reports
For multi-location and higher-volume merchants.
- Everything in Monitor
- Priority support
- Quarterly reviews
- Dedicated analyst
Savings are not guaranteed. Confirmed Savings require verified evidence.
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.