What is a Credif Card Merchant Service Monthly Statement Audit?

Merchant Statement Audits with AI and Human Analysis

Are you sick and tired and completely fed up of feeling like you're being ripped off by your credit card processor with excessive fees and overbilling of hidden charges?  Is it effecting your bottom line? If your merchant services fees, transaction rates, monthly charges, interchange fees, batch fees, pci fees, avs fees, authorization fees, seem too high or confusing to understand, you're not alone. Many small business owners are overpaying for visa, mastercard, amex and discover credit card payment processing without even realizing it. That’s where we come in. At Merchant Fee Savers, we specialize in merchant statement audits that uncover hidden charges, reduce your fees, and save you money—without switching providers or compromising your service.  Its so easy and its Free!  Simply click here and get the process started. Please have at least 2 or 3 PDF monthly merchant statements ready for analysis.

Why Audit Your Credit Card Processor Charges

A merchant services statement audit is the process of carefully reviewing your monthly credit card processing statements to identify excessive fees, non-compliance charges, and inflated rate structures. In simple terms, it’s a detailed fee comparison that determines if you’re being overcharged—and how much you could save.

The truth is, many processors embed markups, add-ons, and mystery fees into statements, making it difficult for business owners to spot them. And because the industry lacks transparency, most merchants don’t even know what to look for. You may see terms like “Interchange,” “Dues and Assessments,” “PCI Non-Compliance,” or “Monthly Service Fee”—but do you know what they mean or if they’re reasonable? That’s exactly what our merchant audit is designed to uncover.

How Our Merchant Statement Audit Works

We’ve built a system that combines both expert human review and AI-driven analysis to eak down every line item on your credit card processing statement. Here’s how the process works:

1. You Send Us Your Statements

To get started, we ask for at least two months of credit card processing statements in PDF format. These are typically available through your processor’s online portal (most have a section labeled “Statements” or “Monthly Reports”). If you receive paper statements, you can scan them into PDF format and email or upload them securely to us.

2. We Conduct a Deep Dive Analysis

Once we receive your documents, our team of experts—backed by our powerful AI auditing system—goes line by line to examine:

  • Your effective rate (total fees ÷ total volume)

  • All pass-through and interchange fees

  • Per transaction fees for each card type (Visa, Mastercard, Amex, Discover)

  • Monthly, batch, AVS, PCI, non-compliance, and miscellaneous charges

  • Any non-standard or junk fees we often see processors try to sneak in

Our proprietary AI enhanced system automatically detects processor types (e.g., Worldpay, Global Payments, Paypal, Square, Elavon, TSYS, Fiserv) and applies accurate rate comparisons using wholesale costs from card ands like Visa and Mastercard. We also apply your transaction patterns to estimate what your fees should be with fair, transparent pricing.

3. You Get a Clear, Easy-to-Understand Report

Once our audit is complete, we provide a detailed report showing:

  • A complete eakdown of current charges

  • The total overpayment or markup

  • A side-by-side comparison with optimized rates

  • Your estimated monthly and annual savings

We eak everything down in simple language, so you’ll understand exactly what you’re paying for and where the overcharges are coming from. Most comparison and audit reports are available instantly, but some may take up to 24 hours for a human analysis.

4. No Risk, No Cost Upfront

We offer this audit and analysis 100% free. There’s no obligation to switch processors, and no pressure. Our goal is to help you understand your true processing costs and identify room for improvement.

Real Savings, Same Service

Many business owners assume they need to switch providers or sacrifice service to reduce costs. That’s not the case. Our audits have revealed that businesses are commonly overpaying by 15–40%—just from markups and excessive fees they didn’t agree to which typically adds up to hundreds or thousands a month in excessive fees.

We help you reduce fees by:

  • Eliminating hidden charges

  • Negotiating fair and transparent rates

  • Structuring statements around your specific transaction volume

Even if you’re on an "Interchange Plus" plan, your processor may still be adding excessive padding, surcharges, or bogus “pass-through” fees. We know the red flags—and our AI does too.

Who Needs a Merchant Fee Audit?

You’ll benefit from our service if:

  • You feel your processing fees feel higher then they should be but you’re not sure why

  • You’ve seen new or unexplained fees on your statement

  • You’re sick and tired of being ripped off by your current service provider.

  • Your effective rate is above 2%

  • You want to compare other providers or validate your current setup

  • You’re opening a new location or business and want the best deal

Whether you run a retail store, restaurant, online shop, or service-based business, our audit can expose inefficiencies and help you save big.

Top Reasons You Might Be Overpaying

Here are some of the most common reasons we uncover during our audits:

  • Being placed on a "Tiered Pricing" plan instead of Interchange Plus

  • Getting charged for non-compliance, even when you're compliant

  • Duplicate fees under different labels

  • High markups on small transaction amounts

  • Getting penalized with downgraded interchange rates

  • Annual fees or tech fees disguised as monthly “platform” or “access” fees

Many merchants have no idea these things are happening because processors often rely on complexity and confusion to justify them.

What You’ll Need to Get Started

To make the process smooth and accurate, we recommend you send:

  • Two or three recent monthly statements from your current credit card processor

  • Statements should be in PDF format from your provider’s online portal

  • If only printed versions of Credit Card Processor Statements are available that came in the mail for example, scan them clearly and upload them into the audit system for analysis.

The more data we have, the more accurate and thorough our analysis will be.

Ready to Start Saving?

Let us help you take control of your merchant account. With our human + AI-powered statement audit, you’ll get the transparency and savings you deserve. Don’t let another billing cycle go by while you’re being overcharged.

📩 Upload your statements today and let us show you how much you could be saving.

 



Copyright ©2025 | MerchantFeeSavers, LLC