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Merchant Statement Scanner · fees · rates · clients · from $3/mo

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Merchant statements explained

A merchant processing statement is where advertised rates meet real cost. These guides break down fee sections, funding summaries, and the lines that drive effective rate—so you can verify numbers with a PDF scan instead of guessing.

Scan a statement View pricing

Why this topic matters

Statements bury markup inside “discount,” interchange, and program fees
Comparing months requires the same period, volume, and fee total
Agents win renewals with proof, not promises

What you will learn

How to read summary vs detail pages
Where authorization, batch, PCI, and gateway fees appear
How to calculate effective rate from a statement
How to find hidden or junk fees before you renegotiate

Guides in this hub

8 published guides

Funding Summary on a Merchant StatementFunding Summary on a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement Analysis on Me…Read guide →
Equipment and Lease Charges on a Merchant StatementEquipment and Lease Charges on a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement An…Read guide →
Deposit Reconciliation from a Merchant StatementDeposit Reconciliation from a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement Analy…Read guide →

Product paths

Statement scan features
Quality Score
Upload a statement

Related topic hubs

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InterchangeUnderstand interchange, assessments, and brand fees—and how they appear separately from pr…
FundamentalsHow credit card processing works: participants, four-party model, card-present vs CNP, and…
ChargebacksChargebacks, retrievals, refunds, and representment—costs, process, and how disputes appea…

All topical hubs

Explore the full merchant-processing library. View all topics

Statements
Fees & rates
Fundamentals
Interchange
Merchant accounts
Lifecycle & funding
PCI & security
Processors
Chargebacks
Contracts
POS & hardware
Partners

Turn this education into numbers

Upload a PDF merchant statement to extract fees, categories, and effective rate.

Get started — from $3/mo See pricing

Chargebacks and Retrievals on a Merchant Statement

Chargebacks and Retrievals on a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement Ana…

Read guide →

Card Brand Fees on a Merchant StatementCard Brand Fees on a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement Analysis on Me…Read guide →

Batch Fees on a Merchant StatementBatch Fees on a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement Analysis on Merchan…Read guide →

Authorization Fees on a Merchant StatementAuthorization Fees on a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement Analysis on…Read guide →

Anatomy of a Merchant StatementAnatomy of a Merchant Statement — clear, practical guidance for merchants, agents, and ISOs. Part of Merchant Statements and Statement Analysis on Merchant S…Read guide →