Statement: 2026-01
By moving to best-in-class pricing: interchange + 2 basis points + $0.02/transaction. Eliminates all junk fees and processor markup.
Talk to our processing expert Matt. He'll review your statement, negotiate with your processor, or help you switch to a better rate — included with your Pro plan.
⚠️ flagged items are negotiable or eliminable
| Fee | Category | Amount | Status |
|---|---|---|---|
Visa CPS Retail Credit | interchange | $612.34 | OK |
Visa CPS Rewards 1 | interchange | $298.17 | OK |
Mastercard Merit III | interchange | $287.45 | OK |
Visa Signature Preferred | interchange | $198.23 | OK |
Amex OptBlue Tier 3 | interchange | $232.23 | OK |
Processor Discount Rate 0.47% markup — above average. Negotiate to 0.25% or lower. | markup | $412.56 | ⚠️ Flag |
Per-Transaction Fee $0.05/txn — standard | markup | $192.35 | OK |
Monthly Service Fee | markup | $25.00 | OK |
Batch Settlement Fee $0.25/batch is high. Should be $0.10 or free. | markup | $93.27 | ⚠️ Flag |
Authorization Fee | markup | $20.00 | OK |
Visa Assessment | assessment | $121.34 | OK |
Mastercard Assessment | assessment | $98.67 | OK |
Amex Assessment | assessment | $67.51 | OK |
PCI Non-Compliance Fee This fee is avoidable! Complete your PCI compliance questionnaire to eliminate it. | junk | $99.95 | ⚠️ Flag |
Statement Fee Pure profit for processor. Many processors waive this. | junk | $12.50 | ⚠️ Flag |
Regulatory Fee Made-up fee. No regulation requires this. Demand removal. | junk | $49.95 | ⚠️ Flag |
Account Maintenance Fee Junk fee — should be eliminated or rolled into discount rate. | junk | $34.95 | ⚠️ Flag |
IRS Reporting Fee IRS reporting is required by law and costs processors nothing extra. | junk | $35.00 | ⚠️ Flag |