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Send us your current statement and we'll show you savings within 1-business day.
The numbers your statement works hard to hide.
Your effective rate
Total fees divided by total volume, the single most honest number, calculated from your real statement.
Example only. Your real figure comes from your own statement.
Interchange vs. markup
What is the network's true cost versus what your processor added on top, pulled apart and labeled.
Padded line items
The fees that are commonly bundled or inflated, flagged so you can see exactly where the money goes.
A plain-English summary
A clear write-up you can actually use, whether you switch to us, stay put, or negotiate with your current provider. No jargon, no pressure, yours to keep.
Four steps, no pressure.
Send your statement
Share your most recent processing statement. The fee and rate pages are all we need, not your customers' card data.
We read the fees
An AI-assisted tool parses the statement and itemizes the fees quickly and consistently.
A person reviews it
A local rep checks every analysis before you see it and walks you through it in English, Armenian, or Russian.
You get the picture
A clear read on your real cost, and an honest answer on whether it can come down, with no obligation to switch.
The tool only reads statements and analyzes fees to help educate you. It is never used for underwriting, risk scoring, fraud scoring, or any account decision, and a human reviews every analysis before we share it.
Because transparency is the whole point.
An audit that always ended in “switch to us” would not be worth much. So we run it the same way every time, and tell you what we actually find.
If you're fairly priced
We will say so plainly. A free audit that always ended in “switch to us” would not be worth much.
If you're not
You will see exactly why, line by line, and what a fair number looks like for your business.
Either way
You walk away understanding your statement, and the analysis is yours to keep.
The statement audit, answered.
Still unsure about something? A local LA rep can walk you through it, no obligation. Ask a real person →
Start by knowing your real effective rate, total fees divided by total volume. Most overpaying happens through bundled rates and padded line items. Once you can see the markup, you can fix it, whether by moving to transparent interchange-plus pricing, clearing a PCI non-compliance fee, or negotiating with your current provider. The audit shows you where to look.
The Merchant Statement Audit is informational and educational only. It is not financial, tax, accounting, or legal advice, and is not used for underwriting, risk scoring, fraud scoring, or adverse-action decisions. AI-assisted outputs may contain errors and should be independently verified. ZenythPay does not provide tax, accounting, or legal advice.