Free Merchant Statement Analysis — Find Your Real Rate
Most businesses pay 0.5–1.4% more than they think. We audit your statement line by line, show you your true effective rate, and tell you exactly which fees shouldn't be there. Free, no obligation, usually within one business day.
The 60-Second Effective Rate Check
Your effective rate is your total monthly processing cost divided by your card volume. It's the only number that matters — and it's never printed on your statement. Enter two numbers from your last statement:
- Total fees — every processing charge on the statement (rates, monthly fees, PCI, statement fees, all of it)
- Card volume — total Visa/Mastercard/Discover/Amex dollars processed
A healthy card-present business typically lands between 2.2% and 2.7% all-in. If your number starts with a 3, you're funding someone's margin — and we'll show you where.
Effective Rate Calculator
Line by Line, Fee by Fee
Rate structure audit
Tiered vs. interchange-plus vs. flat rate — we identify which model you're on and whether transactions are being downgraded to expensive tiers.
Junk fee inventory
PCI non-compliance fees, statement fees, batch fees, annual fees, "regulatory" charges — we flag every fee that's negotiable or shouldn't exist.
Honest comparison
A side-by-side of your current cost vs. FRP's transparent pricing on your actual volume. If we can't beat it, we'll tell you to stay put.
Send Us a Statement, Get the Truth Back
One recent statement is all we need. Free, confidential, no obligation — and no salesperson camping in your inbox.
Start My Free Analysis Call 404-990-1183