Free Scorecard

Payment Cost & Risk Scorecard

Five minutes of honest questions about how you take cards. You get back five statuses — pricing visibility, dispute risk, checkout trust, operational fit, and contract control — each with one concrete action. If you have last month's numbers handy, we'll calculate your real effective rate on the spot. Educational, not a sales pitch: no savings promises, and sometimes the answer is that your setup is fine.

Section 1

You & Your Business

Your name *

Business name

Email *

Phone

Type of business *

Location (city, state)

Your role *

Owner / operator — it's my business Authorized decision-maker — I can change how we take payments Manager / staff — I'd need sign-off to change anything Just researching — no business or account yet

Section 2

How You Take Payments

Approximate monthly card volume *

Current POS / gateway / processor

Sales channels (check all that apply)

In-person — card present at a terminal or POS Keyed-in — typed card numbers, phone orders Ecommerce — online checkout Invoicing — emailed invoices, pay-by-link Recurring — subscriptions, memberships, payment plans Mobile — card reader on a phone or tablet in the field

Your biggest payments concern *

Section 3

Your Numbers (optional — but this is where the scorecard gets real)

Gross card sales last month ($)

Total processing fees last month ($) Both numbers are on your monthly statement. Together they give your effective rate — the only rate that matters.

Chargebacks in a typical month

How fast does your money arrive?

Section 4

Two Quick Checks

Does the name on your customers' card statements clearly match your business name?

Yes — I've checked; it matches No — it shows something customers wouldn't recognize Not sure — I've never checked

Do you know your contract terms and termination/renewal date?

Yes — I know the terms and dates No — I don't have a copy or don't know the dates Not sure — there may be a contract; I'd have to dig

If your results raise questions, would you be open to reviewing your actual statement data? *

Yes — I'd look at real numbers together Maybe — depends what the scorecard shows No — just the scorecard for now

Section 5

Optional: Attach a Redacted Statement

Redact before you upload. Black out or crop away full card numbers, bank account and routing numbers, and your SSN/EIN — the fee and volume lines are all that matter here. This upload is completely optional: skip it and Caleb will reply with the safest way to share documents instead. PDF or image, up to 8 MB.

Redacted statement (PDF/PNG/JPG/WebP, optional)

Send my answers to Bull Creek so Caleb can email me my scorecard results and follow up about them. * No mailing list, no drip campaign, no third party gets your info.

Your answers reached Caleb — he'll email a written copy of your results. Your scorecard is below.

Your scorecard is below, but sending your answers to Caleb failed — nothing was lost, so please try submitting again in a moment, or call/text 541‑294‑4641 or email caleb@bullcreekbusinesssolutions.io.

“ I won't promise a specific savings number. This scorecard shows you what you're paying and where the levers are — sometimes the lever is a different setup, sometimes it's one fee that shouldn't be there, and sometimes everything checks out. You decide what happens next.