GPSS · SMARTER BUSINESS DECISIONS

What are your processing fees really costing you?

Understand your statement. Find costs to challenge, savings to investigate and losses to track.

1 · Enter monthly figures2 · Finalize with contact details3 · Join free to download

Check your savings now.

The starting numbers below are examples—replace them with your own figures before submitting. Use a recent full month’s statement. All calculations are preliminary and use published pricing examples—not an industry average, guaranteed savings or an approved GPSS quote. The report may show higher costs.

Free report review: provide contact details to finalize and send your report to GPSS. Create a free GPSS business sign-in with the same email to download your saved report. You can also join our business directory for free.

Never read a processing statement? Start here.

Find the statement month, total card sales and transaction count. Use sales volume, not your net bank deposit.
Find all processing charges. Fees may be deducted daily and billed monthly—do not count the same charge twice.
Locate the fee detail: interchange, network fees, processor charges and recurring services. A quoted markup is not your total rate.
Leave anything you cannot identify blank. We will list what GPSS needs to investigate.

Your statement is a starting point—not proof that a charge is unnecessary. No file upload or automatic statement extraction is included.

1 / Your processing picture

Business typeCurrent processor (optional)Monthly card sales ($)Monthly card transactionsTotal monthly processing fees ($)Additional current monthly costs NOT already in fees ($)Additional monthly costs for comparison plans ($)In-person share of card sales (%)Online / invoice share (%)Known one-time switching costs ($)

Remaining 0% is keyed / card on file. Channel shares must total no more than 100%. We assume transaction counts follow the same mix as sales dollars.

Include annual fees divided by 12, software, gateway or equipment charges only when they are not already in the statement total. Enter the expected add-on costs for comparison plans; zero means none included, not proof that none apply. Equipment leases and cancellation costs can change the result. Do not enter card numbers, bank accounts or merchant IDs.

2 / Find savings and possible losses

Optional line-by-line checkup. These are portions of the current total you entered above, not extra fees to add again. Use separate categories with no overlaps. Blank means unknown; 0 means you checked and found none.

Statement month / periodHow are you priced?Interchange ($ / month)Usually paid to issuing banks; varies by card and transaction. It is not all processor profit.Card-network fees ($ / month)Network assessments and related charges. Compare named line items rather than assuming they are processor markup.Processor markup / transaction charges ($ / month)The processor’s pricing component. Compare with your signed pricing schedule, including per-transaction charges.Account, gateway and software you use ($ / month)Services may carry legitimate charges. Check what each buys and whether an equivalent proposal includes it.PCI NONCOMPLIANCE penalties only ($ / month)A penalty is different from a PCI service fee. Ask what validation is missing and obtain written confirmation before assuming removal.Unused paid services ($ / month)Subscriptions you report no longer using. Confirm cancellation terms and whether the service is actually needed.Equipment rental / lease ($ / month)A lease can survive a processor switch. Request the remaining obligation and equipment return terms.Chargeback / retrieval fees ($ / month)These are fees, not the disputed sale itself. Verify the count and fee schedule.Other itemized fees ($ / month)Annual fees should be divided by 12 only if the total above uses the same monthly allocation.Disputed-sale principal, excluding dispute fees ($, optional)Exposure only. Do not include this in processing fees. Final losses require recoveries and outcomes.All-in monthly total from a written proposal ($, optional)For the same volume and services, including all fees. GPSS still needs to verify the proposal.

Possible savings are review candidates. Your report will say what to check, why it matters and what evidence is still needed. We do not add overlapping savings estimates together.

3 / Finalize your free report

Your report is released after saving your contact information and request to GPSS. Registration is optional for on-screen results and required for downloads.

Your nameBusiness nameEmail for your free business accountPhone (optional)City / state

Privacy notice · No account is created until you choose to register.

What’s behind the estimate?

Pricing snapshot checked 2026-10-24. This is a fixed comparison dataset, not a live pricing feed. Published prices can change; verify source terms before choosing a plan. There is no single correct rate for every industry.

James Shepherd’s ISO Amp offers deeper statement analysis and proposal tools. This calculator is an independent GPSS tool, not an ISO Amp integration or a North approval. For a reliable proposal, GPSS must confirm card mix, fees, contracts and provider eligibility.

Official free ISO Amp ebooks: interchange optimization, merchant sales teams and statement analysis ↗

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