Merchant Statement Analysis
Know what you're actually paying.
Upload a credit-card processing statement and FeeQuery breaks down interchange, assessments, processor markup, effective rate, and hidden fees—typically in under 60 seconds.
Statement Analysis
PDF upload → classified costs
Uploaded Statement
Analysis
Interchange
Assessments
Markup
Effective Rate
Flagged Fees
< 60 sec
Typical statement analysis
AI + OCR
Automated extraction
3
Cost categories separated
PDF + Excel
Branded quote exports
Your processing statement tells you what you paid.
FeeQuery helps explain why.
01
Interchange
Paid to the cardholder's issuing bank. Set externally and not negotiable with the processor.
02
Assessments
Paid to card networks such as Visa, Mastercard, American Express, and Discover.
03
Processor Markup
What the processor keeps. This is the negotiable layer FeeQuery helps expose.
Effective Rate
From PDF to answers
A confusing processing statement becomes structured information.
Upload Statement
Provide a PDF credit-card processing statement.
AI + OCR Extraction
Extract volume, transaction counts, and fee lines.
Transaction & Fee Data
Structure the statement into analyzable data.
Interchange / Assessments / Markup
Classify costs into the three core categories.
Effective Rate
Calculate the merchant's effective rate.
Hidden Fees Flagged
Identify potentially avoidable or negotiable fees.
Analysis Complete
Review the structured statement analysis.
Upload Statement
Provide a PDF credit-card processing statement.
What FeeQuery shows you
The analysis surfaces the layers that make processing costs hard to read.
Interchange
Pass-through cost paid to the cardholder's issuing bank.
Assessments
Network fees paid to Visa, Mastercard, American Express, and Discover.
Processor Markup
The portion the processor keeps — the negotiable layer.
Effective Rate
Total processing fees divided by card sales volume, expressed as a rate.
Hidden Fees
Potentially avoidable or negotiable fees flagged for review.
Savings Opportunities
Areas where markup or fee structure may warrant a closer look.
For ISOs & Merchant-Services Agents
Analyze faster. Quote professionally.
Built for ISOs and merchant-services agents who need statement clarity and sales-ready quotations.
Statement Analysis
Analyze prospect processing statements without manually rebuilding them in spreadsheets.
Schedule A Pricing
Apply your pricing structure to analyzed merchant data.
Branded Quotes
Generate professional branded quotation proposals.
PDF + Excel Export
Export quotations in formats that can be shared with prospects.
Batch Processing
Analyze multiple merchant statements for larger prospect pipelines and portfolios.
White-Label Experience
FeeQuery supports white-label branding and an embeddable statement-upload widget.
For Business Owners & Finance Teams
Finally understand your processing statement.
Business owners and finance teams use FeeQuery to audit processing costs and see what they are actually paying.
FeeQuery provides analysis and visibility. It does not renegotiate contracts or change processors for you.
- Total processing costs
- Effective rate
- Interchange
- Assessments
- Processor markup
- Hidden / avoidable fees
Statement analysis workspace
Placeholder panels for the views FeeQuery produces from a merchant statement.
Statement Overview
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Effective Rate
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Interchange
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Assessments
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Processor Markup
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Hidden Fees
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Fee Breakdown
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Quotation
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Schedule A Pricing
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Statement History
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From analysis to a branded quote
For ISOs and agents: turn analyzed merchant data into Schedule A pricing and exportable quotations.
Why FeeQuery
Replace manual statement review with structured merchant-statement analysis.
Manual Statement Review
- Manual data entry
- Spreadsheet calculations
- Fee lines scattered across statements
- Effective rate calculated manually
- Quotes assembled separately
FeeQuery
- AI + OCR extraction
- Automatic fee classification
- Effective-rate calculation
- Hidden-fee identification
- Branded quotation generation
- Batch processing available
Turn a processing statement into answers.
Upload a merchant statement and see the costs behind your payment processing—including interchange, assessments, processor markup, effective rate, and hidden fees.