Statement Analysis
A written, line-by-line analysis of what you actually pay for.
We turn 12 months of merchant statements into a clear document that shows interchange qualification, margin, fees, and specific opportunities to reduce cost.
Business problems we solve
- Statements that no one on your team can fully explain.
- Effective rate creep no one flagged until finance asked.
- Rewards downgrades and non-qualified surcharges going unnoticed.
- Duplicate fees across gateway, PCI, and monthly service lines.
- No baseline to compare proposals from other processors.
Recommended solutions
- Line-by-line breakdown of every fee across 12 months.
- Interchange qualification review with downgrade root-cause analysis.
- Comparative modeling against interchange-plus, flat, and membership pricing.
- Documented opportunities you can act on with or without us.
- Baseline effective rate you can measure any future proposal against.
Business benefits
- Free, written, and honest — you keep the analysis either way.
- A defensible number to bring to finance, ownership, or the board.
- A basis for negotiating with any processor, not just us.
- Clarity on which fees are structural and which are removable.
Implementation Process
- 1
Review
You send 3 recent statements. We return a written analysis, usually within a week.
- 2
Recommend
We walk through findings and specific, prioritized opportunities.
- 3
Implement
You decide what to act on. We execute only what you ask us to.
Common integrations
Related industries
High invoice counts and thin margins, where interchange is a genuine line item.
Learn moreRecurring, forecastable volume where automation beats rate negotiation.
Learn moreMulti-branch trade supply houses with contractor accounts and counter sales.
Learn moreRelated services
Related case studies
All case studies →Started with a statement review.
Frequently asked questions
Is the analysis really free?+
Yes. You keep the report regardless of whether you engage us further.
What do you need from us?+
Three recent full merchant statements (all pages) and a short intake call.
How accurate are the projections?+
We use actual interchange data from your statements, not blended averages.
Do you share it with processors?+
Never without your explicit written permission.
Talk to a specialist
Free, written recommendations. No obligation. White-glove support if you decide to move forward.
Ready to see what your setup could look like?
Book a working session focused on statement analysis. Clear recommendations, no obligation.
- • 150+ software platforms reviewed
- • 1,500+ merchant environments evaluated
- • Under 24-hour average response time
- • 7–14 business day onboarding