The real cost of getting paid.
Statement Review

Send your statement. Get a real answer.

A statement review is exactly what it sounds like: I sit down with your most recent processing statement and walk through it line by line. No software, no AI summary, no sales script — just a person who reads these for a living telling you what each line actually means and what the math looks like at the end.

What I look for

  • Effective rate — the only rate that actually matters
  • Processor markup — what you're paying above true cost
  • Interchange vs. markup — the difference most owners miss
  • Monthly fees — PCI, statement, batch, gateway, IRS reporting
  • Tiered pricing traps — qualified / mid-qualified / non-qualified
  • Equipment & POS lease fees — overpriced multi-year locks
  • Card vs. ACH mix — especially on B2B invoice work
  • Avoidable charges — fees you're paying that shouldn't be there

What you get

  • A plain-English explanation of your statement
  • Your actual fee breakdown in dollars, not percentages
  • Red flags called out — auto-renewals, junk fees, lease traps
  • Possible options if your current setup isn't a fit
  • An honest answer if your setup is a good fit — that happens too
  • No pressure to switch. Ever.
How It Works

Three steps. About fifteen minutes of your time.

1

Send the statement

Most recent month is fine. Two months is better. Black out account numbers if you want — I only need the fee detail.

2

I read it

Usually within 24–48 hours. I mark it up, calculate your effective rate, and write a short summary in normal English.

3

We talk

Phone, video, or in-person. I walk you through what I found. You decide what to do next. No paperwork unless you ask for it.

What it looks like

We walk through it together, line by line.

Phone, video, or in-person — I pull up the statement and explain exactly what each fee means and how it compares to what you should be paying. No jargon. No sales pitch at the end.

Caleb Krantz walking a local business owner through their merchant processing statement, pointing out the line items
Side-by-side

Two real statement shapes — and what changes when you compare the dollars.

Same fictional merchant, same monthly volume, two different processor statements. The cleaner one isn’t automatically cheaper. The denser one isn’t automatically more expensive. The only honest comparison is the actual annual dollars at your real sales mix — which is exactly the math we run.

Markup statement Sample markup statement from Atlas Payment Solutions: $48,217 in volume, 3.98% effective rate, dense fee section with interchange, assessments, processor markup, monthly fees, and flagged junk fees.

Dense — but the fee structure is visible. Easier to negotiate when you can see every line.

Flat-rate statement Sample flat-rate statement from Pivot Payments: $48,217 in volume, 3.64% effective rate, simple monthly summary with one rolled-up rate.

Cleaner. Easier to read on a single page — but it can also obscure where the dollars actually go.

Don’t compare advertised rates. Compare total annual dollars at your actual sales mix.

Both statements above are fictional samples created for teaching. No real merchant data.

“ I won't promise a specific savings number. I'll show you what you're paying and where the levers are. Sometimes the lever is a different processor. Sometimes it's a different pricing model on the same processor. Sometimes it's just a fee that should never have been there. You decide.

Ready to know what you're really paying?

Drop me a note with your business and I'll send instructions for getting your statement to me.

Request a Statement Review