Are you getting ripped off on card processing?

Merchant Statement Scanner is a SaaS tool that helps business owners, payment agents, and ISOs upload merchant processing statements, extract fees and rates, and understand true effective cost — including red flags for hidden or excessive fees.

It’s built for small and mid-size business owners who take cards, payment agents and ISOs who review merchant portfolios, and finance teams who need a clean view of processing cost without reading 20-page PDFs by hand.

Compare total fees to card volume (effective rate), separate interchange and assessments from processor markup, and watch for junk fees (PCI non-compliance, high batch fees, unexplained minimums). Our Quality Score (coming soon in-product) will summarize fairness for your volume and industry; the scanner already surfaces the fee lines you need to start that review.

Effective rate is total processing fees divided by total card volume, usually shown as a percentage. A low advertised rate can still produce a high effective rate if junk fees and markups add up.

Interchange-plus (IC+) passes through card brand interchange and assessments, then adds a transparent processor markup (percent and/or per-item). It is often fairer than tiered pricing when disclosed clearly.

We accept PDF statements only (up to 40MB). Text-based PDFs work best; scanned image PDFs may extract less accurately. We support many processors including Fiserv, Elavon, Worldpay, TSYS, Chase, Square, Stripe, Clover, and more.