AI-Powered Analysis

Your processor is hiding
the margin.

Upload your processing statement. Our AI reads every line item, flags hidden fees, and estimates your potential savings with PaaS in under 30 seconds.

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● AI provider does not train on your data
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Statement Upload
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Reading your statement…
This takes 15 to 30 seconds
Reading statement…
Identifying fee structure…
Detecting hidden charges…
Calculating effective rate…
Computing PaaS savings…

Analysis Complete

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Customer Surcharge Rate 300 bps (3.00%)
Surcharge is collected from card-paying customers and offsets your processing costs. Default 3.00% matches the Visa surcharge cap; 4.00% is the Mastercard ceiling. Cash and debit transactions are unaffected.
Surcharge Compliance
Surcharging is regulated. Visa caps merchant surcharges at 3.00% effective April 2023; Mastercard caps at 4.00%. A merchant may never surcharge above the actual cost of card acceptance, regardless of network cap. Surcharging is prohibited on debit and prepaid cards, and is currently restricted or prohibited in some states (Connecticut and Massachusetts prohibit; Colorado caps at 2.00%; New York requires inclusive price display). Card networks require 30-day acquirer notification, signage at point of sale, and itemized line-item disclosure on receipts. PaaS handles registration and disclosure setup during onboarding.
Fee Breakdown, What You Are Currently Paying
Side-by-Side Comparison
Estimates are for analysis purposes only and are not a binding quote, guarantee, or offer of service. Final pricing depends on underwriting, merchant risk profile, card mix, interchange qualification, transaction method, equipment configuration, and executed merchant agreement.
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Estimated PaaS Breakdown
Disclaimer: Analysis is based on AI extraction of statement data. Interchange estimates use actual figures where available, or a 1.80% industry-average figure where not itemized. Actual savings may vary based on card mix and transaction types. Statements are transmitted over an encrypted connection, processed in real time by our AI analysis provider (Anthropic), and not retained on our servers. Anthropic does not train models on data submitted through this analyzer. See Privacy Policy.
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