Merchant Services FAQ

A merchant statement is the monthly report from your card processor. It shows your card sales, your deposits, and every fee you paid that month, from interchange to flat account fees.

Most providers post monthly statements in an online portal, often under reports or statements. Some mail or email them. If you cannot find yours, ask your processor or POS provider for the last full month, all pages.

It is a line-by-line read of your monthly merchant statement. We name each fee, explain it in plain English, and show what you pay overall. It is free, and there is no obligation.

Interchange is the fee paid to the bank that issued your customer's card on each sale. The card networks set the rates. They change with the card type, such as rewards or business cards, and with how the card was taken, such as tapped in person or keyed in online. It is usually the largest cost on a statement.

A PCI fee is a provider charge tied to the Payment Card Industry Data Security Standard, the security rules for businesses that take cards. Some providers bill it monthly or yearly. A separate PCI non-compliance fee is often added when your PCI questionnaire is not done, and it can usually be stopped by completing it.

A gateway fee pays for the service that sends card payments from a website, a virtual terminal, or some POS systems to the processor. It can be a monthly fee, a per-transaction fee, or both. Many in-person terminals do not need one.

Debit cards issued by large banks have interchange limits set by federal rules, often called the Durbin Amendment, so debit usually costs less than credit. Debit cards from smaller banks are not limited the same way. Your statement should show debit and credit separately.

It is your total processing fees for the month divided by your total card sales. It gives you one number to compare months or setups. We calculate it from your statement during the review.

No. We are a referral business, and we are not an official partner or reseller of any POS brand. We review statements from merchants on Clover, Square, Heartland Genius, Dejavoo, PAX, Korona, Union, NMI, Hyfin and more.

We are a referral business. If you choose to move to a setup we introduce, that provider may pay us a referral fee. The statement review is free to you either way, and we will tell you how we are paid before you decide anything.

No. If your current setup is a good fit, we will tell you. Switching is only one option, and you decide.

Yes. We are based in Apollo Beach, Florida, and work with merchants nationwide by email and phone.