Free card-processing cost audit
Merchant Processing Fee Audit
Compare modeled card-processing fees with the actual amount charged on your merchant statement, reveal the true effective rate, and estimate the value of negotiating better pricing.
Simple statement audit
User-entered ratesCompare expected fees with the actual statement total
Monthly processing volume
Expected processor pricing
Actual statement & target
Simple methodExpected fees = gross sales × entered percentage rate + transaction charges + refund/chargeback fees + fixed monthly charges. The actual effective rate uses the actual statement fee total divided by gross card sales. The audit variance is actual statement fees minus modeled expected fees. Negotiation savings compare the current modeled fee structure with the entered negotiated percentage and per-transaction fees.
Fee stack
MonthlyWhere the modeled processing cost comes from
| Fee component | Monthly cost | Share of expected fees |
|---|
Advanced processing audit
Channel-level fee analysisModel six payment channels or card groups
Statement-level costs
Negotiation target
Payment channels / card groups
Channel / groupSalesTransactions% feePer-tx feeRefund countRefund feeChargebacksChargeback fee
Advanced methodEach channel calculates percentage fees, transaction fees, refund fees and chargeback fees separately. Statement-level fixed fees are added once. The actual statement total is compared with the detailed modeled total to surface unexplained variance. Negotiation savings reduce percentage rates, per-transaction charges and fixed fees by the entered target percentages.
Channel fee table
MonthlyModeled processing cost by channel
| Channel | Sales | Transactions | Percentage fees | Transaction fees | Refund fees | Chargeback fees | Total fees | Effective rate |
|---|
Rate-reduction sensitivity
Savings from negotiating percentage pricing
| Rate reduction | Negotiated monthly fees | Effective rate | Monthly savings | Annual savings |
|---|
Transaction-fee sensitivity
Savings from reducing per-transaction charges
| Per-tx reduction | Negotiated monthly fees | Monthly savings | Annual savings | Negotiated effective rate |
|---|
Scope
This is a financial statement-audit model
Merchant statements can include interchange, assessments, processor markup, authorization charges, gateway fees, PCI/compliance fees, chargeback fees, monthly minimums, cross-border charges and other items. This tool does not determine whether a fee is contractually valid or whether a particular interchange category should apply. Use the actual processor agreement and statement detail when investigating a variance.