Ledger Line POS / Free Statement Review
Statement Review
Free Merchant Statement Review
A free merchant statement review is a plain English read of your card processing statement, fee by fee. We look at what you pay, where costs have crept up and which charges you can question, with no cost and no obligation.
Short answerRead this first
What is a free merchant statement review and how do I get one?
A free merchant statement review is a careful read of one recent processing statement. We check your effective rate, hidden and junk fees, PCI and non compliance charges, rate creep and early termination terms, then walk you through what we found and your options. It is free, with no obligation.
What we look at
Every statement is laid out differently, so we read the whole thing, including the last pages where many fees are listed.
- Effective rate: your total fees divided by your total card sales, so you can compare months and offers
- Hidden and junk fees: monthly, annual and per batch charges that are easy to miss
- PCI and non compliance fees: what each charge is for and what it takes to remove a non compliance fee
- Rate creep: increases that showed up after you signed, often in small steps
- Early termination fees: what leaving your current processor would cost under your agreement
How it works
Three steps. Nothing changes unless you say so.
- Send your statement: upload one recent monthly statement, every page, as a PDF or clear photos
- We review it: a person reads every page and checks each fee against what you agreed to
- We walk you through what we found: a plain English explanation of your costs and your options, including staying where you are
Free, with no obligation
The review costs you nothing, and you are not asked to sign anything or switch providers. If your current setup is a good fit, we will tell you. If you choose to move to a setup we introduce, that provider may pay us a referral fee, and we will tell you how we are paid before you decide.
Free Statement Review questions
Still not sure? Ask us directly.
What do I need to send for a free merchant statement review?
One recent monthly processing statement, every page. A PDF or clear phone photos both work. You can black out full account numbers. We never need card numbers or passwords.
How do you work out my effective rate?
We divide your total processing fees for the month by your total card sales. That gives you one number to compare months and offers, and we show you how we got it.
What counts as a junk fee?
Charges that do not match a clear service, such as vague monthly, annual or batch fees, or fees that appeared without notice. We list each one and explain what it is for, so you can ask your processor about it.
Can you tell if my rates have gone up?
Often, yes. Comparing your current statement with an older one shows rate creep, the small increases that appear after signing. If you have an older statement, send it too.
Will I have to switch processors?
No. The review is free with no obligation. If your current setup fits, we will say so. Switching is only one option, and you decide.
How do early termination fees affect my options?
We read your agreement for the fee, how it is calculated and the notice required. Knowing that cost up front helps you decide whether and when a change makes sense.
Tear here: get your free statement review
Get a free merchant statement review
Send your statement for a free merchant statement review
Send one statement. We read every line, free. Send one recent statement. A person reads every fee and explains it in plain English. Free, no obligation.
Prefer email? travis@ledgerlinepos.com