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
Payments for specialty, boutique, and multi-store retail.
Learn morePayments tuned for QSR, casual, fine dining, and multi-unit operators.
Learn morePayments for firms that bill time, retainers, and project fees.
Learn moreOne payments architecture, every site, no exceptions.
Learn moreOne payments program for the whole system, without stepping on franchisees.
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