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Free Merchant Statement Analysis — Find Your Real Rate

Most businesses pay 0.5–1.4% more than they think. We audit your statement line by line, show you your true effective rate, and tell you exactly which fees shouldn't be there. Free, no obligation, usually within one business day.

Do It Yourself First

The 60-Second Effective Rate Check

Your effective rate is your total monthly processing cost divided by your card volume. It's the only number that matters — and it's never printed on your statement. Enter two numbers from your last statement:

  • Total fees — every processing charge on the statement (rates, monthly fees, PCI, statement fees, all of it)
  • Card volume — total Visa/Mastercard/Discover/Amex dollars processed

A healthy card-present business typically lands between 2.2% and 2.7% all-in. If your number starts with a 3, you're funding someone's margin — and we'll show you where.

Effective Rate Calculator

Your effective rate3.10%
Overpayment vs. quote$880/mo
That's $10,560 per year.
Get the Full Free Analysis →
What the Full Analysis Covers

Line by Line, Fee by Fee

Rate structure audit

Tiered vs. interchange-plus vs. flat rate — we identify which model you're on and whether transactions are being downgraded to expensive tiers.

Junk fee inventory

PCI non-compliance fees, statement fees, batch fees, annual fees, "regulatory" charges — we flag every fee that's negotiable or shouldn't exist.

Honest comparison

A side-by-side of your current cost vs. FRP's transparent pricing on your actual volume. If we can't beat it, we'll tell you to stay put.

Common Questions

Statement Analysis FAQ

What is a merchant statement analysis?

A merchant statement analysis is a line-by-line review of your credit card processing statement. We calculate your true effective rate, break down every fee you are being charged, and show you where your money is actually going so you can see your real cost of processing.

Is the statement analysis really free, and is there any obligation?

Yes, the analysis is completely free with no obligation. You are not signing anything and you are not required to switch processors. It is a no-cost look at your current pricing, and if we cannot beat what you already have, we will tell you to stay put.

What do you need from me to run the analysis?

Just one recent merchant processing statement from your current processor, ideally a full month. That single document shows your rates, fees, and volume, which is everything we need to calculate your effective rate and audit your charges.

How long does it take to get my results?

Most analyses are turned around within one business day. Once you send over a recent statement, we review it and walk you through the findings in plain language.

What does the analysis actually reveal?

It reveals your true effective rate, which is your total monthly fees divided by your card volume and is never printed on your statement. It also inventories junk fees such as PCI charges, statement fees, batch fees, and vague regulatory line items, and flags anything that is negotiable or should not be there.

What happens after the analysis? Do I have to switch?

Nothing you do not want to. You keep your statement and the findings are yours to use however you like, even if that means going back to your current processor to negotiate. There is no salesperson camping in your inbox, and switching is only worth it if the numbers clearly work in your favor.

Send Us a Statement, Get the Truth Back

One recent statement is all we need. Free, confidential, no obligation — and no salesperson camping in your inbox.

Start My Free Analysis Call (888) 592-1110