Free Statement Analysis

See What You’re Really Paying

Send us your most recent processing statement and we’ll break it down line by line — no cost, no obligation, no sales pitch. Just the truth about what you’re paying and where you can save.

Why Most Merchants Overpay

Payment processing statements are designed to be confusing. Processors count on merchants not understanding the difference between interchange, markups, and junk fees — because confusion is profitable.

Rate creep is one of the most common tricks in the industry. You sign up at a competitive rate, and within 90 days your costs quietly climb. Hidden fees get added to your statement under vague names. Interchange categories get padded with extra basis points that go straight to your processor’s pocket.

Most merchants don’t catch it because they don’t know what to look for. That’s where we come in. Our free statement analysis cuts through the noise and shows you exactly where your money is going — and where it shouldn’t be.

How It Works

Three Simple Steps

1. Send Your Statement

Email or upload your most recent processing statement. We just need one month — that’s enough to see the full picture of what you’re being charged.

2. We Break It Down

Our team reviews every line item, identifies hidden fees and markups, and compares your rates to what you should actually be paying based on your volume and industry.

3. See Your Savings

You get a clear, side-by-side breakdown showing exactly what you’re paying now vs. what you could be paying with TBT. No pressure — the numbers speak for themselves.

Common Fee Traps

What Processors Hope You Won’t Notice

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Tiered Pricing Markups

Tiered pricing bundles interchange categories into “qualified,” “mid-qualified,” and “non-qualified” tiers — letting processors pocket the spread between tiers. Interchange-plus pricing eliminates this.

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Monthly Minimum Games

Some processors set monthly minimums that quietly increase over time. If your volume dips, you pay the difference — a fee for not processing enough.

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PCI Non-Compliance Fees

Many merchants get charged $30–$100/month for PCI non-compliance — often because their processor never helped them complete the simple annual questionnaire.

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Batch & Statement Fees

Batch fees, statement fees, and “account maintenance” charges add up fast. These are pure profit for processors and often completely unnecessary with modern platforms.

Ready to see what you’re really paying?

Send us your statement and we’ll show you the truth — free, confidential, and zero obligation.

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