You pay it every month. Time you understood it.
Your processing statement tells you what you're paying, but not always why. Learn to make sense of the charges, spot what deserves a closer look, and ask better questions about your costs.
Your statement stays with you. You don't need to upload it.
Have a question about a charge? Look it up or ask us directly. →
Marigold Counter Café: A Complete Fictional Statement
Marigold Counter Café and the online-shop comparison are fictional. Their figures are practice examples. Real statements vary by provider and pricing model.
Three things worth knowing about your statement.
Those are the three things to find first: one date range and two dollar amounts.
Follow the fictional example
Work through the fictional example: find the three things, calculate the effective rate, recognize charge categories, and prepare questions. Use the Back and Next buttons, or the arrow keys while the walkthrough is focused.
Ready to make sense of your own statement?
Now you know what to look for. See what your statement reveals and what deserves a closer look.
- Find the statement period
- Find total card sales
- Find total fees
- Circle every line you cannot explain
Once you've found the key numbers and noted any unfamiliar charges, you've made a good start.
Next, calculate what percentage of your card sales goes toward processing fees. Use the printable guide to keep track of what you've found and what you want to ask your processor. And if there's a charge you don't understand, you can ask us.
See what processing really costs you.
How much of your card sales goes toward processing fees? Enter your sales and fee totals to find out. One simple percentage gives you a clearer picture of your costs and a better place to start asking questions.
A starting point, not a verdict.
Use this number to notice changes between periods and prepare questions for your provider. It does not, by itself, establish whether your pricing is good or bad:
- pricing structures differ,
- card mixes differ,
- businesses differ,
- and one month may not represent your usual activity.
A good first read ends with better questions.
Keep a short list of what needs explanation. Circle unfamiliar lines and adapt the example questions for your provider.
Printing uses your browser's print dialog. If available, choose “Save as PDF” to keep a file. ProcessorFit does not receive the card; printing and saving use your browser.
See a charge you don't understand?
You're not the only one. Look it up in our Statement Line Dictionary. Still have questions? Ask us.
First, look it up.
The Statement Line Dictionary explains common line labels, one at a time, with nothing to send. Try it before you write to us.
Tell us what's confusing you.
Have a question about a charge on your statement? Send it our way. We'll do our best to help you understand it.
What this can and can't tell you.
This exercise cannot establish:
- Whether your pricing fits your business.
- What your contract says.
- Whether anything should change.
A single statement won't tell you everything about your processing costs. But it can show you where to look more closely and what questions to ask.
Unfamiliar doesn't mean improper. But you should be able to understand what you're paying for.
Have a question about a charge on your statement? Look it up in our Statement Line Dictionary. If you still need help, ask us.
Statement Check-In: a possible future habit
Statement Check-In is an idea for a brief monthly review of your own statement. It is not available: there is no signup, no reminder emails, and nothing to subscribe to. For now, use the First Pass Card as your checklist.
Know what you're paying. Make your next move count.
A clearer picture of your processing costs puts you in a stronger position, whether you're staying with your current provider or considering a change.
Explore your options with ProcessorFit's independent research and comparisons.
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No statement uploads on this page. Education first, without pressure.
Meet Your Statement · processorfit.com/meet