Upload one statement and RateIQ's credit card processing statement analysis reads every line — the downgrades, the padding, the markup your processor counts on you skipping. You'll see your true effective rate and exactly what you're overpaying.
Free — no credit card required. Read-only, and we never move your money.
No spreadsheets, no sales call. Just upload and read what your processor never spelled out.
Drag in a single monthly processing statement as a PDF. No login, no account, no connecting your bank.
RateIQ reads your processor, pricing model, interchange, and every surcharge — including the ones buried in vague line items.
Get your true effective rate, how it compares to your industry, and an estimate of what you could be saving each year.
Common markup tactics we surface from statements — each hidden behind a vague line item designed to slip past you.
Cards quietly bumped to the priciest tier — the single most common padding tactic.
A low headline rate that almost none of your transactions ever qualify for.
Pennies of margin stacked on top of true cost on every single swipe.
A recurring monthly charge for a service most merchants never actually use.
These common tactics can quietly add up to several thousand dollars a year — often without the merchant ever knowing. Check your statement free →
Upload one statement and get the truth about your rate in under a minute. Free, no account, no switch required.
Encrypted in transit · Never sold, never shared · Always watching.