01
Upload your statement
Choose a recent merchant processing statement from your secure portal.
Merchant statement intelligence
Know what you’rereally paying.
True Merchant Rate turns a confusing credit card processing statement into a clear view of your effective rate, fee structure, pricing model, and the questions worth asking next.
Secure analysis. Clear methodology. No obligation to switch providers.
Statement Intelligence
Illustrative sample report
Monthly volume
$82,450
Statement total
Total fees
$2,873
All identified costs
Effective rate
3.48%
Fees ÷ volume
Pricing model
Interchange+
Structure detected
Processing health
72/100
6 items identified for review
Clear verdict
Fee explanations
Next best steps
Secure statement analysis
Transparent calculations
Human-readable reporting
No-obligation insight
A clearer process
From statement to answers in three guided steps.
You provide the source document. True Merchant Rate organizes the data, checks the relationships, and presents the result in language you can use.
02
We organize the math
The analysis reviews volume, fees, pricing clues, and the internal consistency of the available data.
03
Explore your report
See a concise verdict, the supporting details, confidence indicators, and practical next steps.
What you learn
A statement is full of numbers. Your report turns them into meaning.
The goal is not more data. It is a better understanding of what happened, how the result was calculated, and where attention may be useful.
Your true effective rate
See the percentage you actually paid after processing fees—not the advertised rate.
Your pricing structure
Understand whether your statement reflects interchange-plus, tiered, flat-rate, or another model.
Fee-by-fee clarity
Turn dense processor terminology into an organized view of costs, markups, and recurring charges.
A payment health score
Get a simple summary backed by the details that influenced the result.
Potential opportunities
Identify items worth reviewing, validating, or discussing with your processor.
Plain-English explanations
Understand what the numbers mean without needing to become a payments expert.
Transparent by design
A clear verdict, with the details still within reach.
True Merchant Rate is designed to show both the headline and the reasoning behind it. Expand the parts that matter to you, then return to the summary whenever you need it.
See how the effective rate was derived
Separate verified figures from estimates
Understand confidence and data limitations
Keep practical next steps connected to the findings
Executive summary
What your statement is saying
Your core rate is visible and explainable
Several recurring fees deserve a closer look before drawing a final conclusion.
Effective rate
3.48%
Verified
Pricing structure
Interchange-plus
Detected
Data confidence
High
8 checks passed
Illustrative sample only. Actual findings depend on statement content, available fields, and analysis confidence.
Built for business owners
A clearer way for business owners to review processing.
See what you paid, organize each analysis, and prepare better questions before making a decision.
See the full cost
Understand what your business actually pays.
Bring processing volume, total fees, effective rate, and pricing structure into one clear business-owner view.
- Clear cost breakdown
- Easy-to-read report
- Secure statement history
Track each statement
Keep monthly analyses organized in one portal.
Review current and prior statements without rebuilding the same spreadsheet or searching through old files.
- Month-by-month visibility
- Downloadable reports
- Consistent analysis workflow
Prepare the next conversation
Know what to verify before you negotiate.
Use evidence-based findings and clear limitations to ask better questions of your current provider or an advisor.
- Plain-English next steps
- Evidence-aware findings
- Optional expert review
Your statement deserves a thoughtful, secure experience.
Your reports stay behind authenticated account access, with controlled visibility and clear limits around estimates, confidence, and supporting evidence.
Authenticated portal
Your reports live behind account access.
Private business-owner portal
Your statements and reports remain inside your signed-in workspace.
Clear limitations
Estimates and confidence indicators remain visible in the report.
Shopping merchant services?
Use your own statement to make the sales conversation more useful.
These business-owner guides help you establish the current cost, inspect the fee structure, normalize provider offers, and validate potential cost-reduction steps.
Build a baseline
Merchant statement analysis
Understand current volume, fees, effective rate, pricing clues, and recurring charges before you shop.
Read the guideReview the detail
Credit card processing fee audit
Organize visible fee categories and identify the charges or services that need validation.
Read the guideNormalize every quote
Compare merchant services
Compare providers using the same volume, card mix, transaction count, fees, and contract assumptions.
Read the guideAct on evidence
Reduce processing fees
Explore responsible cost-review steps without relying on a headline rate or guaranteed-savings claim.
Read the guideQuestions, answered
Understand the experience before you upload.
True Merchant Rate is built to make processing statements less intimidating and the next conversation more productive.
Your statement already has the answers. Let’s make them visible.
Start with one statement and leave with a clearer understanding of your processing costs.