Free Checklist · PDF
Payment Processing Fee Audit Checklist
Work through one card processing statement and find out what you really pay, which fees are add-ons and what to ask your provider.
What’s inside
- Effective-rate worksheet — total fees divided by card volume, the one number to compare month to month.
- Pricing model guide — how flat-rate, interchange-plus and tiered pricing show up on a statement.
- Fee checklist — eleven common add-on fees, from statement and PCI fees to minimums and early termination.
- Questions for your provider — four questions to ask before your contract renews.
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About this checklist
Processing statements are long and use inconsistent names for the same fees. This checklist gives you a repeatable way to read one, using your own statements and merchant agreement.
Want a second pair of eyes? The Merchant Statement Review is a written line-by-line review of three months of statements.
General information only, not financial or legal advice. Processing rates, fees and contract terms vary by provider; we do not sell processing or receive referral fees from processors for this review.