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Merchant Statement Analyzer

Find your true effective rate from your statement in seconds, and see how much you could stop paying.

Your effective rate
3.20%
Above average. You are likely overpaying.
Monthly fees$1,600
Annual fees$19,200
With dual pricing≈ $0
Get a free full statement review →
A manual estimate. For a full breakdown of interchange, assessments and junk fees, send your statement for a free review.
The problem

Why statements hide the real cost

Processing statements are dense on purpose. Interchange, assessments, markup and a long list of junk fees (batch, statement, gateway) get spread across pages. The one number that cuts through all of it is your effective rate: total fees divided by total volume.

Step by step

How to use this calculator

1

Enter your total monthly volume

The total dollars processed on cards, found near the top of your statement.

2

Enter your total monthly fees

Add up every fee line, not just the headline discount rate.

3

See your effective rate

The tool flags whether you are paying a fair rate or overpaying.

How to read it

What to look for on your statement

Beyond the effective rate, a quick review tells you where your money goes and what a processor can actually change.

The three buckets

  • Interchange and assessments: set by the card networks and not negotiable.
  • Processor markup: the margin your provider adds, the part worth comparing.
  • Junk fees: batch, statement, gateway and similar add-ons that often do not belong.

For the full breakdown on your account, send a recent statement and we will return a free review. Request your free analysis.

The fix

How to lower what you pay

Once you know your effective rate, there are three ways to bring it down.

  • Move to interchange-plus pricing so markup is transparent.
  • Cut the junk fees that should not be there.
  • Adopt dual pricing so card payers cover the cost and your out of pocket drops close to $0.

A free statement review shows which of these saves you the most.

Why ProTech

How ProTech Payments helps

Free statement review

Send your statement and we return your exact effective rate and where you overpay.

No junk fees

Transparent pricing with no batch or statement surprises buried in your bill.

US-based support

Real people in Katy, TX for your account and questions.

Get my free rate analysis →
FAQ

Frequently asked questions

Everything US merchants ask before switching their online payments to ProTech.

Still have questions?

Talk to a real ProTech specialist, no call centers, no scripts.

Talk to a specialist →
or call (888) 255-0425
What is a merchant statement?
It is the monthly summary from your processor that lists your card volume and every fee you paid. The most useful number on it is your effective rate, which is total fees divided by total volume.
How do I read my effective rate?
Add up all the fees on the statement and divide by your total card volume. Under 2.4% is low, 2.6% to 3.5% is average, and above 3.5% usually means hidden markup.
What are junk fees?
These are add-on charges like batch, statement and gateway fees that inflate your bill. Many can be removed by switching to a transparent processor.
Why is my rate higher than I was quoted?
Quotes rarely include assessments, markup and junk fees. The effective rate captures everything, which is why it is almost always higher than the headline number.
Can a statement analysis save me money?
Yes. It pinpoints overpriced markup and junk fees and shows whether dual pricing would take your out-of-pocket cost close to $0.
Is the analysis really free?
Yes. Send a recent statement and we return a full review at no cost and no obligation. Request your free analysis.