You don’t need a new processor — you need clarity. See whether your pricing is competitive and where unnecessary costs may exist.
Start with your numbers. See your effective rate and potential savings instantly.
Takes under 30 seconds. No signup required. Don’t have your numbers yet?Tap Use Example Numbers below.
How this estimate works
Effective rate uses total monthly processing fees divided by card volume.
Benchmarks vary by industry, card mix, ticket size, and transaction method.
This is directional. It does not read individual statement line items or contract terms.
Fixed costs matter too. POS, software, and lease charges can change the real monthly picture.
Understand what’s driving your processing costs.
A line-by-line review can clarify markups, fees, software costs, and realistic savings opportunities.
What happens next:
Thank you.
Your statement has been submitted.
We’re reviewing your fees to determine whether a meaningful savings opportunity exists.
Most reviews are completed within 2–3 business days.
If savings are available, we’ll show you where they’re coming from and what your options look like.
Keep an eye on your email for your review results and any recommended next steps.
Nothing is required from you after the review. Any next steps are entirely your decision.
If you’d like to send another statement, you can do that below.
Submit Another Statement →How Your Processing Is Priced.
If your processing isn’t set up correctly, you’re likely overpaying — often without realizing it.
Many business owners know something feels off. They just don’t have a clear way to prove it.
The bigger issue is visibility. Processing statements, pricing models, software fees, and contract terms can be difficult to interpret and compare without regularly reviewing them.
StatementSentry was built to fix that and give you a clear answer, so you can stop guessing and know exactly where you stand.
We act as an independent watchdog. We analyze your numbers, isolate unnecessary fees, and identify what’s increasing your costs.
No personal details required.
If nothing needs to change, we’ll tell you. If meaningful savings exist, we help you reduce unnecessary fees, improve your pricing, and avoid restrictive contract terms going forward.
We work across common pricing models, including interchange-plus, flat rate, dual pricing, and surcharge. The goal is to identify the setup that makes the most sense for your business.
We’re not tied to any one processor, which allows us to recommend and implement the best fit instead of forcing a one-size-fits-all solution.
Opening a new business?
StatementSentry can also help you start with better pricing and a cleaner setup from day one.
Instead of signing the first processing offer you receive, we help you understand setup options, pricing models, equipment costs, and contract terms before you commit.
Some businesses come to us to reduce existing costs. Others use StatementSentry to avoid unnecessary costs from the beginning.
Already under contract or facing an early termination fee? You’re not stuck.
In many cases, those costs can be offset or worked around when the savings outweigh the cost, making a change financially worthwhile.
Waiting often feels safer, but in many cases it costs more than acting now.
We break that down clearly so you can see whether it makes sense to switch now or wait, based on your numbers.
Here’s what we analyze:
Common fees we break down
We show you what’s affecting your pricing and how to reduce unnecessary costs long-term.
Understand where your costs are coming from and how your pricing compares.
No obligation. No forced switch. Just clear answers and optional next steps.
Our diagnostic tool is anonymous, and statement reviews can be submitted with personal or business details redacted. We focus only on the pricing and statement data needed to evaluate competitiveness.
Many businesses don’t realize it until they see the numbers clearly broken down.
Privacy and Data Use:
We only collect the information necessary to review your statement and provide results. We are committed to keeping your data private, secure, and used only for its intended purpose.
What we collect
- Your uploaded file (statement or screenshots)
- Your email address (to send results)
How your information is used
- Analyze your processing statement
- Provide a summary of findings and potential savings
- Communicate results to you
Data handling and retention
Submitted documents may be temporarily processed and stored using secure third-party tools that support our review process.
Uploaded files are used only for analysis and are not retained longer than necessary to complete your review. We aim to delete submitted statements after review is completed.
Sharing of information
We do not sell or rent your information.
Your information is not shared with processors unless you explicitly choose to move forward.
We do not use, sell, rent, or share your information for marketing or resale.
Your control and privacy
You may redact any identifying details before submitting your statement. Only the fee and processing data required for analysis are needed.
You remain in control of whether to take any next steps following your review.
Analytics and cookies
We use analytics tools (such as Google Analytics) to understand how visitors interact with our website. This helps us improve functionality and user experience.
These tools may collect non-personal information such as pages visited, time on site, and general device or browser data. This information is aggregated and does not identify you personally.
Analytics tools may use cookies or similar technologies to operate.
Terms of Service
Last updated: March 2026
By using StatementSentry ("we," "our," or "us"), you agree to the following terms.
Use of this site is also subject to our Privacy Policy.
1. Service Overview
StatementSentry provides independent reviews of credit card processing statements to help identify potential cost savings, inefficiencies, or areas for improvement. This service is provided for informational purposes only.
2. No Guarantee of Savings
While we aim to identify meaningful cost-saving opportunities, we do not guarantee that savings will be found or achieved. Any estimates, observations, or suggestions provided are based on the information submitted and should not be interpreted as guaranteed outcomes.
3. No Financial or Legal Advice
The information provided through our review is not financial, legal, tax, or accounting advice. You are solely responsible for evaluating any recommendations and deciding whether to take action.
4. User Responsibility
By submitting a statement or information:
- You confirm you have the right to share the information provided.
- You agree that any decisions made based on our review are your responsibility.
- You understand that StatementSentry is not responsible for outcomes resulting from changes to your processing setup.
5. Use of Submitted Information
We use submitted statements and information solely to:
- Analyze your current processing setup
- Identify potential savings or inefficiencies
- Provide a summary of findings
Submitted documents may be temporarily processed and stored using secure third-party tools that support our review process. We aim to delete submitted statements after review is completed.
We do not sell or share your information with third parties without your consent, except as required by law or as otherwise described in our Privacy Policy.
6. No Obligation
Using StatementSentry does not obligate you to:
- Switch providers
- Accept any recommendations
- Enter into any agreement
All next steps are entirely optional and at your discretion.
7. Limitation of Liability
To the fullest extent permitted by law, StatementSentry shall not be liable for:
- Any financial loss
- Business interruption
- Decisions made based on our analysis
- Any indirect, incidental, special, or consequential damages
Use of this service is at your own risk.
8. Modifications
We may update these Terms at any time. Continued use of the service constitutes acceptance of any updates.
Choose the option that works best for you
Questions, statements, or setup help.
Send a statement directly
[email protected]Quick questions
[email protected]Prefer a call first
[email protected]Understand Your Processing Options
There is no single “best” way to accept cards. The right setup depends on your business, your customers, your volume, and how you want fees handled.
StatementSentry helps you compare the options clearly, so you can choose what makes sense.
Most business owners ask the same question:
“What are your rates?”
That question makes sense, but processing is not just one rate. The pricing model, monthly fees, transaction fees, equipment, software, and contract terms all affect what you actually pay.
Opening a new business?
StatementSentry can help you start with better pricing and a cleaner setup from day one.
Instead of guessing which processor, pricing model, or equipment setup makes sense, we help you compare the main options before you commit.
That means reviewing pricing models, monthly costs, POS needs, contract terms, and long-term flexibility before your business is locked into the wrong setup.
Interchange-Plus
Usually the most transparent model. You pay the actual card-brand and bank costs, plus a processor markup.
- Good for owners who want visibility
- Often strong for steady or higher volume
- Markup should be clearly disclosed
Flat Rate
A simple fixed percentage or fixed transaction cost. Easy to understand, but not always the cheapest.
- Simple and predictable
- Common with Square-style pricing
- Can become expensive as volume grows
Dual Pricing
A setup where cash and card prices are presented differently, often allowing the merchant to reduce or offset card costs.
- Can reduce merchant-paid processing costs
- Must be presented correctly
- Works best when customers understand the pricing clearly
Surcharge
A model where a card fee is added to eligible credit card transactions. Rules and compliance matter.
- Can shift some costs away from the business
- Debit cards generally cannot be surcharged
- Must follow card-brand and state rules
POS / Software Costs
Sometimes the processing rate is not the biggest issue. Software, leases, gateway fees, PCI fees, or equipment charges may be driving the total cost.
- POS subscriptions
- Equipment leases
- Gateway or software fees
Contract Terms
A low rate does not help much if the agreement includes restrictive terms, hidden fees, or expensive cancellation language.
- Early termination fees
- Lease obligations
- Rate increase language
The goal is not to force one setup.
Some businesses prefer interchange-plus. Some want dual pricing. Some want simple flat-rate pricing. Some need better POS tools. Some are opening for the first time and just want to avoid costly mistakes from the start.
The right answer depends on your numbers, your customers, your equipment needs, and how your business operates.
StatementSentry reviews the full cost picture first, then helps identify the setup that fits.
Frequently Asked Questions
Clear answers before you upload anything, request a review, or explore processing options.
StatementSentry is an independent review and optimization platform. We analyze pricing, fee structures, contracts, equipment costs, and processing setups to help businesses understand pricing, fees, and total cost.
If meaningful savings or improvements exist, we can help connect businesses with processing solutions that fit their needs.
Yes. Many businesses we review already have an existing processor or POS system in place.
The goal is to determine whether your current setup is competitive, where costs are coming from, and whether meaningful improvements exist.
Yes. Some businesses use StatementSentry before opening so they can start with better pricing and structure from day one.
We help review pricing models, equipment options, software costs, contract terms, and operational setup before a business commits to a processor.
No. Many reviews start with partial information, screenshots, or basic numbers entered into the calculator.
The more complete the information, the more accurate the analysis becomes, but you are not required to upload a full statement to begin.
Yes. Many business owners redact account numbers, personal details, or business identifiers before submitting information.
In most cases, we only need processing volume, fees, transaction counts, and pricing structure details to evaluate competitiveness.
We will tell you.
Not every business is significantly overpaying. Some businesses already have competitive processing structure in place.
The goal is clarity first, not forcing unnecessary changes.
No.
StatementSentry is designed to help business owners understand their current pricing structure and identify whether meaningful improvements exist.
In some cases, costs can be optimized without changing processors. In others, a different setup may make more sense.
Any next step is optional and depends on what the numbers show.
Yes. We review dual pricing, surcharge, interchange-plus, and flat-rate setups.
The right structure depends on the business model, customer experience, transaction volume, and operational goals.
Yes. Sometimes the largest cost drivers are not the processing rates themselves.
Software subscriptions, equipment leases, gateway fees, PCI fees, and platform charges can materially affect total monthly cost.
That does not automatically mean you are stuck.
In many situations, potential savings can outweigh termination costs over time. We help break down the numbers clearly so you can make an informed decision.
No obligation.
StatementSentry is designed to provide visibility first. Whether you make changes afterward is completely your choice.