Merchant statements vary by processor, but the underlying questions are consistent: how much volume was processed, what types of transactions occurred, what was paid to the card ecosystem, what was paid to the provider, and what other fees were assessed?
Volume and transaction summary
Confirm gross sales, refunds, chargebacks and transaction counts. This establishes the denominator for any cost analysis and helps reveal whether the month is representative.
Interchange and assessments
On interchange-plus statements, look for network-level interchange categories and card-brand assessments. These costs can change with card type, acceptance method and transaction data.
Processor markup
Identify basis-point markup, per-item charges and other provider pricing. Keep these separate from interchange when comparing offers.
Ancillary fees
Review gateway, batch, PCI, statement, monthly, authorization and other fees. Some are necessary service costs; others deserve a closer look.
Qualification and card mix
Commercial, rewards, debit and card-not-present transactions can carry different economics. A detailed statement can reveal where optimization is worth investigating.
Never compare two proposals using only one advertised rate. Compare the expected all-in cost using your actual transaction mix.
See what your payment environment is telling you.
Upload a recent detailed statement and request an EASYPAY payment review.