Reduce and Eliminate Excessive Merchant Bankcard Fees

Reduce and Eliminate Excessive CC Merchant Service Fees

We’ve audited hundreds of credit card processing statements for businesses just like yours—and one thing we’ve learned is this: most merchants are overpaying and don’t even know it. Hidden fees are embedded into many processor statements in ways that are confusing, vague, or downright deceptive. These fees can quietly chip away at your profits every single month.

That’s why we’ve developed an easy to use statement audit system that combines human expertise with AI-powered analysis to uncover the truth behind your credit card processing costs. Our goal is simple: eliminate hidden fees, reduce excessive charges, and help you stop overpaying for the same exact services.

What Are Hidden Merchant Fees?

Hidden fees are costs that don’t jump out on your statement but still eat away at your revenue. Processors often label them with technical terms or bury them deep in the fine print, making them hard to detect unless you know what to look for. And unfortunately, most business owners don’t have the time or expertise to decode these complex billing structures.

Common hidden fees include:

  • Non-qualified surcharges

  • Batch header fees

  • AVS and CVV fees

  • PCI non-compliance penalties

  • Monthly statement fees

  • Annual membership or platform fees

  • Misused interchange buckets

  • Network and fees with inflated markups

Over time, these "small" charges add up to big money.

Real-World Examples of Excessive Fee Impact

Let’s say you run a restaurant processing $40,000 a month. A seemingly small 0.25% markup labeled as a "non-qualified surcharge" adds up to $100/month—or $1,200 per year. Now add in PCI non-compliance fees at $30/month and a few unnecessary statement fees? You’re losing $1,800 to $2,400 per year for no added value.

For an automotive repair shop doing $80,000/month, batch fees at $0.30 per day can total nearly $110 per year. Add in and access markups and AVS surcharges, and you could be overpaying by $3,000 or more annually.

A dental or medical office billing $100,000/month in co-pays and procedures might be on a tiered plan where 30–40% of their transactions are downgraded to higher-fee “non-qualified” buckets. That could mean $4,000–$6,000/year in overcharges.

And online retailers, especially those on flat-rate plans, often pay 2.9% or more, even though many of their transactions qualify for lower interchange rates. If your real cost should be around 2.2%, that difference of 0.7% on $500,000/year in volume means $3,500 in unnecessary fees—every year.

How We Detect Hidden Fees

Our process is straightforward and powerful. All we need is is your PDF processor statements, and we’ll take care of the rest.

Human Expertise + AI Intelligence

We’ve trained our system to automatically detect processor type (TSYS, Fiserv, Worldpay, Elavon, Global Payments, First Data, EVO, etc.) and then run a tailored audit to extract every single fee line item. We cross-check all your:

  • Card and fees (Visa, Mastercard, Amex, Discover)

  • Authorization charges

  • Interchange fees

  • Network pass-throughs

  • Miscellaneous service and recurring monthly fees

Our AI spots pattern inconsistencies while our human team provides the strategic insight to flag questionable charges, compare against industry norms, and recommend alternatives.

You’ll get a clear eakdown of what you’re paying, what each charge actually is, and what your costs should be based on your transaction volume.

What You’ll See in Our Free Comparison Report

Once we complete our analysis, you’ll receive a full report that includes:

  • Your effective rate (total fees ÷ total volume)

  • A categorized list of all hidden, excessive, and unjustified fees

  • A side-by-side comparison of your current setup vs. optimized rates

  • Estimated monthly and yearly savings

  • A processor-neutral overview (we’re not here to sell you a specific provider—we’re here to save you money)

How Hidden Fees Are Often Disguised

You might think you’re on a fair "interchange plus" pricing model, but that’s not always the case. Processors can tack on line items such as:

  • “MC NABU Fee” – this is a legit fee but often marked up 3–5x what Mastercard charges

  • “Visa FANF” – should only be $1–$9 for most merchants, but many are paying $19.95+

  • “Statement Fee” or “Regulatory Fee” – flat charges that serve no function other than boosting your processor’s margin

  • Downgrade fees – transactions that should qualify for low rates are moved into higher-cost tiers

And these fees repeat every month.

How to Get Started

We make it easy.

Step 1: Upload 3 Statements

Just send us three months of your credit card processor statements in PDF format. These can be downloaded from your processor’s merchant portal or scanned from paper copies.

Step 2: Let Us Do the Work

We’ll handle the analysis using our dual system: human review + AI-driven tools trained on thousands of statement types.

Step 3: Get Your Report

We’ll send you a comprehensive, easy-to-read eakdown showing exactly where you're overpaying, how much you’re being overcharged, and how much you could be saving each month and year.

Step 4: Decide What to Do Next

Whether you want to renegotiate with your current processor, switch to a better one, or just validate your setup—the decision is yours. There’s no obligation.

Stop Getting Ripped Off. Start Saving.

If your gut tells you something’s off with your merchant fees, you’re probably right. We’ve seen merchants overcharged by thousands per year simply because they didn’t know what to look for—or didn’t have time to dig into the fine print.

Let us do the work for you. We’ll help you cut costs, eliminate junk fees, and reclaim your profits. There’s no risk, no cost, and no catch—just honest analysis and smart savings.

Upload your statements today and get a free fee comparison report. Let’s find out how much you could be saving.

 



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