You pay it every month. Time you understood it.
Understand your processing statement in five minutes. Find the three numbers that matter first: statement period, total card sales, and total fees. Then calculate one useful starting point and know what to ask next.
We'll never ask to see your statement.
Marigold Counter Café — a fictional statement, in full
Every number on this page belongs to a café that doesn't exist. Real statements vary by provider and pricing model; this one exists so you can practice on it.
Every statement is different. Almost every one contains these three things.
Finding them is the whole first step.
That's it. Three numbers. On our fictional café you just found a month of business in about ninety seconds.
One division, one starting point.
Divide total fees by total card sales. That's your effective rate — the share of card sales that went to processing for this period.
A starting point — not a verdict.
This number can help you (a) watch your own month-to-month change and (b) have a sharper conversation with your provider. By itself it can't tell you whether your pricing is good or bad:
- pricing structures differ,
- card mixes differ,
- businesses differ,
- and one month may not represent yours.
A good first read ends with better questions.
You don't need conclusions on day one. You need a short list of things worth asking. Circle what you can't explain, then borrow ours.
Printing uses your browser's print dialog — choose "Save as PDF" for a file. Nothing leaves this page.
Follow the fictional example
The three numbers, plus what the rest of the page is — step by step on the fictional example. Use ← → keys or the buttons.
What this can—and can't—tell you.
- Whether your pricing fits your business.
- What your contract says.
- Whether anything should change.
One statement cannot answer those questions by itself.
It can help you find the key numbers, calculate your effective rate, and know what to ask next.
Unfamiliar doesn't mean improper. But you should be able to understand what you're paying for.
Start with anything you cannot explain. Ask ProcessorFit. We'll help you identify what it is, whether it repeats, what changed this month, and what deserves a closer look.
No statement uploads. No sales calls. No pressure.
Education first—always.