Rateaudit

Card processing statement analyzer for small businesses

See your real card processing rate in minutes

Rateaudit helps you decode merchant processing statements, uncover hidden fee drag, and check if a new offer is actually cheaper before you switch.

Analyze my rates Compare a new quote

Built for US small businesses that take card payments in-store, online, or both.

  • Calculate your effective rate from real statement inputs
  • Separate percentage fees from flat-fee drag
  • Flag tiered pricing patterns and unclear line items
  • Estimate whether a competitor quote improves your total cost
Effective rate estimate 2.91%
Fixed-fee drag $0.24 / tx
Comparison verdict Negotiate

Turn processor paperwork into a decision you can use

Merchant statements and processor quotes often look detailed without making the real cost obvious. Rateaudit is designed to help you turn monthly volume, transaction count, average ticket, channel mix, and fee lines into a clearer picture of what you are actually paying.

  • Effective rate calculation based on your current statement inputs
  • Fixed-fee drag view so small tickets do not get buried inside the total
  • Fee breakdown by category to make line items easier to interpret
  • Red-flag detection for tiered pricing and other hard-to-read structures
  • Side-by-side estimate of your current setup versus a competitor quote
  • Simple verdict: keep, negotiate, or switch

Current statement

Enter your current processing details

Fee breakdown by line item

Add the fee lines from your statement to normalize categories and spot hidden drag.

Competing offer

Add the competing offer

Paste the quoted rates, monthly fees, per-transaction fees, and any extra terms you want to test.

Review the result

Your rate audit output

See your effective rate, fixed-fee impact, fee breakdown, quote estimate, and a practical verdict on whether the new deal looks better.

From statement to side-by-side comparison

01

Enter your current processing details

Add monthly card volume, transaction count, average ticket, channel mix, and the fee lines from your current statement.

02

Add the competing offer

Paste the quoted rates, monthly fees, per-transaction fees, and any extra terms you want to test.

03

Review the result

See your effective rate, fixed-fee impact, fee breakdown, quote estimate, and a practical verdict on whether the new deal looks better.

Useful when the quote sounds simple but the math is not

  • You were offered a “lower rate” and want to test the full cost
  • Your statement has line items you cannot quickly decode
  • Your average ticket is small enough that flat fees may be doing real damage
  • You suspect tiered pricing or bundled fees are masking the real rate
  • You want a structured way to prepare for a processor negotiation

What you get back

  • Effective rate estimate
  • Fixed-fee drag per month
  • Fee breakdown by major category
  • Red flags worth a closer look
  • Side-by-side quote estimate
  • Keep / negotiate / switch recommendation

Focused on card processing math, not generic finance dashboards

Rateaudit is built specifically for merchant processing statements and competing processor quotes. The goal is not to replace your accounting workflow. It is to help you understand rate structure, fee drag, and whether a pricing offer is meaningfully better.

Check your current setup before you sign a new processor deal

A quote can look cheaper on the headline rate and still cost more once fixed fees, channel mix, and statement details are included.

Run a rate audit Test a processor quote