The deep dive
Watch the full transformation from confusing processor statement to plain-English report card. Every fee classified, every dollar accounted for.
See the transformation
8 pages. Hundreds of line items. Acronyms like NABU and Transarmor. They’re betting you won’t read it.
Our AI matches each fee against 300+ known categories. It knows what’s fair, what’s inflated, and what’s straight-up junk.
Green means you’re fine. Yellow means you’re overpaying but it’s negotiable. Red means that fee shouldn’t exist on your statement.
Your real effective rate. Your junk fee total. How much you could save this year. In 60 seconds, for free.
Merchant Processing Statement
ABC Coffee Shop LLC
Period
March 2025
Analysis Complete
ABC Coffee Shop LLC
Effective Rate
3.42%
Volume
$89,450
Total Fees
$3,059
Junk Fees
$173
Estimated Annual Savings
$2,076 – $3,460
• Here's the breakdown
Most merchants have no idea that over 20% of their processing fees are negotiable or shouldn't be there at all. Here's what a typical statement looks like once we break it down.
Fee Breakdown by Category
$3,059.00
$1,200 in junk feesFee Sources
• Your real rate
This is the number your processor doesn't want you to calculate.
1.5-2.5%
Good
2.5-3.5%
High
3.5%+
Critical
• Money left on the table
These are fees you're paying right now that can be removed or reduced. Every month they stay, you lose money.
Annual Projection
$2,460
estimated annual savings
Catches fees humans miss
AI reads every line and flags charges most merchants don't even know they're paying.
Your real effective rate
The one number that tells you if you're getting a good deal. Most merchants have never seen theirs.
Works with your processor
Fiserv, Worldpay, TSYS, Payroc, Shift4, Priority... just upload the PDF.
Shows you exactly how to save
Not vague advice. Specific fees to remove, specific amounts you'd keep.
No jargon, plain English
We explain every fee like we're sitting across from you at a coffee shop.
Download and share
Get a PDF report to show your team, your accountant, or your current processor.
Analysis Report
CompleteABC Coffee Shop LLC
March 2025 · Fiserv
3.42%
effective rate
Estimated Annual Savings
$2,076 – $3,460
• Real results
“I had a $99/month PCI non-compliance fee for two years. Nobody told me. This tool found it in literally 60 seconds.”
Maria Chen
Owner, Sunrise Bakery
“My processor told me I was at 2.4%. Turns out my real effective rate was 3.6%. That gap was costing me $3,200 a year.”
James Carter
Finance Manager
“I don't understand processing statements. At all. But the report card made it obvious which fees were garbage. Saved $1,800.”
Sarah Williams
Owner, Metro Dental
“Showed the report to my processor and asked them to explain the red fees. They removed two of them that same week.”
Kevin Johnson
Restaurant Owner
“I was paying a Transarmor fee and a Regulatory Compliance fee. Neither should have been on my statement. $73/month, gone.”
Emily Chan
Retail Manager
“Ran my statement through it expecting nothing. Found out I was paying 3.8%. Switched processors, now I'm at 2.3%.”
Michael Torres
Small Business Owner
• It takes 60 seconds
Upload your statement. No account, no email, no sales call. Just your fees, classified and explained in plain English.