Our compliance team analyzes your last 2-3 merchant statements line by line, identifying hidden surcharges, downgrade fees, non-qualified rates, PCI non-compliance penalties, and tiered-pricing tricks. We tell you exactly what you are overpaying, and how to fix it. No cost, no obligation.
Start My Free Audit → (305) 384-8391Card processing statements are intentionally complex. Processors bury fees in 6 places knowing 93% of merchants will never catch them. Here is what our audit always uncovers:
Most processors charge a $19.95-$59.95 monthly "PCI non-compliance fee" if you haven't completed annual self-assessment. If you have completed it, they often charge it anyway. Average merchant overpays $300-$600/year on this single line alone.
Processors quote you a low "qualified rate" then downgrade 40-60% of your transactions to mid-qualified (2.5%+) or non-qualified (3.5%+) tiers. We identify every downgrade and tell you which are legitimate vs. which are predatory.
True interchange-plus pricing should pass through Visa/MC interchange exactly. Most processors mark up interchange itself by 0.10-0.40%, hidden in the fine print. Our audit checks every interchange line against published Visa/MC rates.
Monthly statement fees, IRS reporting fees, regulatory compliance fees, NABU/APF/Dues & Assessments markups, batch fees, AVS fees, voice authorization fees — the average processor lists 14+ fee categories. We flag every one that is non-standard.
If you accept any non-US cards, processors charge 0.40-1.20% extra. Most don't disclose this is happening. We pull your foreign card volume and calculate the markup.
Beyond fee analysis, we verify your merchant account against current Visa/MasterCard/Discover compliance rules so you don't get hit with surprise penalties or account holds.
Current SAQ status check, scan requirements, attestation
Visa/MC/Amex/Disc transaction rules, prohibited MCC codes
ETF terms, ACH authorization scope, chargeback liability
Current chargeback ratio vs 1% threshold, dispute trends
Terminal EMV liability shift compliance, P2PE coverage
Truncation compliance, surcharge disclosure rules
Average Annual Recovery
Across 200+ merchant statement audits completed in 2025-2026. Some merchants save $50,000+/year. The average $400K-revenue restaurant recovers $14,400/year in processing fees alone.
Email your last 2-3 merchant processing statements to [email protected] or upload through the form below. Redact personal info if you prefer.
Our compliance team reviews every line, runs interchange checks, verifies PCI status, and identifies every overcharge against current card brand rules.
You receive a written audit report listing every fee, what it should cost, your total monthly overpayment, and your compliance status with action items.
Take the findings to your current processor and negotiate, or let us move you to a partner processor at true cost. Either way, you keep the report.
Most merchants we audit are overpaying $200-$2,500 per month on processing fees. Our average client recovers $14,400 per year after we identify and renegotiate hidden surcharges, downgrades, PCI fees, and tiered pricing tricks. Larger merchants (>$1M/month volume) often save $40,000-$120,000/year.
Yes. Zero cost, zero commitment. We only earn anything if you choose to switch to one of our partner processors after the audit. You are welcome to take our findings to your current processor and negotiate without using us — we will even tell you exactly what to ask for.
5 minutes of your time to send us 2-3 recent merchant statements via email or upload. We complete the full analysis within 24-48 hours and deliver a written breakdown showing exactly what you are overpaying and where.
Low-quoted rate plans are the most common overcharge vehicle. The "0.20% over interchange" deal almost always hides padded interchange, junk fees, and downgrade traps. We see merchants quoted "interchange-plus" who are effectively paying 3.4% total. Send statements and we will show you.
No, unless you choose to confront them with our findings. The audit is between you and us. We do not contact your current processor without your explicit written permission.
Yes — PCI DSS 4.0 attestation, SAQ A/A-EP/D categorization, ASV scan requirements, and quarterly compliance status are all included in every audit at no additional cost.
Free audit. 24-48 hour turnaround. Average merchant recovers $14,400/year.
Start Free Audit →Or call (305) 384-8391