How to Compare Credit Card Processing Proposals: A Side-by-Side Checklist
A practical checklist for comparing payment processing offers: effective rate, pricing model, every fee line, and the contract terms that decide what you really pay.
Statement analysis
Free merchant statement analysis
See what you are really paying—then decide what to do
Most statements bury effective rate under line items. A statement analysis walks interchange, assessments, and processor markup so you can compare proposals honestly. Send recent statements; a real person reviews them.
Request an analysis How to read a statementWhat you get
- A clearer view of effective rate vs headline rate
- Separation of network costs from processor markup where the statement allows
- Questions to ask the next sales rep who quotes you
- Optional next step: a 30-minute call if you want to compare options
We do not promise a fixed turnaround such as “48 hours” as a blanket SLA. Timing depends on volume of requests and how complete the statements are. Ask when you send files if you have a deadline.
What to send
- 2–3 recent monthly statements (PDF is fine)
- Note your industry and approximate monthly volume
- Any competing proposal you want compared (optional)
Learn the method yourself: How to Read Your Merchant Statement · Interchange-plus vs flat-rate
Next step
Send statements for a plain-English read
Share how you take payments today and what you want to change. Statements help if you want the conversation grounded in real fees.
1.844.510.5600
Headquartered in Monmouth Beach, NJ
Prefer to talk it through live?
Schedule 30 minutes after you send statements—or start with the call if you are not sure what to upload.
Schedule 30 minutes Talk to a real person: 1.844.510.5600 Compare