Stop Overpaying
on Credit Card Processing

The average restaurant overpays by 28% on credit card processing fees. That translates to $400-$600/month in unnecessary charges for a typical full-service restaurant. Across the industry, $25-30 billion is wasted annually on inflated and junk fees.

Your effective rate is the total amount you pay in processing fees divided by your total card sales volume. Most restaurants pay between 3-4%, but a well-negotiated rate should be closer to 2.2-2.6%. Even a 0.5% difference on $50K/month in card sales means $250/month in savings.

We flag PCI non-compliance fees, statement fees, regulatory fees, IRS reporting fees, batch fees, monthly minimums, and other charges that are either avoidable or inflated. Many processors add 5-10 of these fees that have little to no actual cost basis.

Upload your merchant processing statement as a PDF or photo. We read every line item, categorize each fee (interchange, assessments, processor markup, junk fees), calculate your effective rate, and compare it against industry benchmarks. Results are ready in about 60 seconds.

We never see or store credit card numbers. Merchant statements contain fee summaries and transaction counts — not individual cardholder data. All uploads are encrypted with 256-bit TLS, processed in memory, and we don't share your data with third parties.

SkipRate is optimized for restaurants and food service businesses, but the fee analysis works for any merchant processing statement. Retail, e-commerce, and service businesses can all benefit from understanding their true processing costs.

Your report shows exactly which fees to challenge and what a fair rate looks like. You can use it to negotiate with your current processor, or shop for a better deal. Pro subscribers also get processor recommendations based on their specific volume and card mix.

Your processor isn't going to volunteer that they're overcharging you. SkipRate gives you an independent, line-by-line breakdown so you know exactly what to push back on. Think of it as bringing a lawyer to a negotiation instead of going alone.

Free gives you one full analysis to see the value. Pro ($39/month) unlocks unlimited analyses, detailed fee-by-fee breakdowns with industry comparisons, processor recommendations, and the ability to track your rates over time as you renegotiate.