Free statement review
Send us last month's statement. We'll tell you what you actually pay.
Not the rate on your agreement — the real one, after the per-item fee and every monthly line that isn't processing. We read it, we explain each charge, and if what you have is already cheaper than what we could offer, we say so.
- Back within 48 hours
- No obligation, nothing to sign
- A fact, not a promise of savings
Prefer to send a photo? Page two is usually the one with the fee breakdown — upload a picture of it here, or call and we take it from there.
A fact, not a promise
We show your effective rate as a fact — we don't promise savings. The arithmetic is your own statement's, so you can check every step of it without us, and if the answer is that you are better off where you are, that is what the review will say.
What a review looks like
Not every line on a statement is a processing cost.
Illustrative example, drawn by us. Not a real merchant's statement, and not any particular provider's.
- PCI compliance — a monthly charge for a program, not for a transaction
- Non-PCI charge — added on top when that program's paperwork has not been filed
- Statement fee — billed for producing the page you are reading
Three charges marked here, because all three are billed every month and none of them is the cost of moving your money. Your own statement will have its own names for them, and naming them is half the job.
Then the arithmetic nobody shows you
all fees ÷ card volume = your effective rate
What you get back
- Your real effective rate — total fees divided by what you actually ran
- Every line item named and explained, including the ones that are not processing costs
- A plain answer on whether switching is worth it, including when it is not
Then the arithmetic nobody shows you
all fees ÷ card volume = your effective rate
Every charge on the page, the marked ones included, divided by what you actually ran. That one number is what accepting cards costs you, and it is rarely the number printed on the front of your agreement.
Beside your number we may put exactly one thing: the standard pricing published for us. Card-present, 2.6% + $0.15 per transaction. Or the 4% cash discount program, which moves the cost to the cardholder and carries its own signage and receipt rules. Two numbers, side by side — you draw the conclusion.
Free statement review
48 hours, and that part is ours to promise
A statement that reaches us on a working morning is usually read the same day, and never later than 48 hours. That is our own turnaround on our own work, which is why we are willing to put a number on it.
What Square decides afterwards, and how long Square takes to decide it, is Square's alone. We never put a date on that, and we never promise the outcome.
No obligation, in plain words
Send a statement, get the review, keep it either way. Nothing to sign to receive it, no meeting to sit through first, and no follow-up you did not ask for. The review is yours — show it to your bookkeeper, or take it back to whoever bills you today.
Three ways to send it
Upload it here — PDF or a photo of the pages, up to 15 MB.
Upload your statement →Call and we'll talk it through. We work in English, Spanish and Russian.
(954) 416-2670Page two is usually the one with the fee breakdown. If you're not sure, send everything.
What happens to your statement
It is uploaded straight to private storage that this website cannot read back, and it is never emailed. We do not need your bank details or your login for any of this — if a page shows an account number, cover it before you send. Statements from enquiries that do not become customers are deleted within 24 months.