AI statement analyzer

You might not be paying what you were quoted.

Upload your merchant statement and our AI will uncover the hidden fees, padded rates, and junk charges your processor thought you'd never find.

See My Real Rate — Free
Trusted by businesses looking for clarity on what they're really paying.
Scanning a merchant statement — detecting hidden fees
ANALYSIS COMPLETE
6 FEES FOUND
Quoted Rate
2.75%
Actual Rate
3.46%
Potential savings:
$6,000+/mo

Trusted by businesses across industries

Chickees
QuickNStop Service Station
IntactCPA
Horizon Medical Group
Pinnacle Distribution Group
Energize HVAC Solutions
Bright Step Dental
NashOpticals
Velocity Auto Pros
Chickees
QuickNStop Service Station
IntactCPA
Horizon Medical Group
Pinnacle Distribution Group
Energize HVAC Solutions
Bright Step Dental
NashOpticals
Velocity Auto Pros
Chickees
QuickNStop Service Station
IntactCPA
Horizon Medical Group
Pinnacle Distribution Group
Energize HVAC Solutions
Bright Step Dental
NashOpticals
Velocity Auto Pros
Chickees
QuickNStop Service Station
IntactCPA
Horizon Medical Group
Pinnacle Distribution Group
Energize HVAC Solutions
Bright Step Dental
NashOpticals
Velocity Auto Pros
Auto Dealers
Restaurants
HVAC & Trades
Medical Practices
E-Commerce
Retail Chains
B2B
High-Risk Merchants
Convenience Stores
Auto Dealers
Restaurants
HVAC & Trades
Medical Practices
E-Commerce
Retail Chains
B2B
High-Risk Merchants
Convenience Stores
No Contracts
48-Hour Approvals
US-Based Support
Free Equipment
THE PROBLEM

Processors hide their margins in junk fees.

That low "quoted rate" you signed up for doesn't tell the full story. Hidden charges, confusing labels, and tiered pricing structures bloat your actual costs every month.

Possible avoidable fees
MERCHANT PROCESSING STATEMENT
Standard Fees
Qualified Discount
$1,245.50
Mid-Qualified Surcharge
$342.10
Non-Qualified Surcharge
$485.90
Additional Fees
Network Access Fee
$312.00
AVS / Auth Verification
$87.40
Monthly PCI Fee
$97.00
Statement / Reporting Fee
$15.00
Volume / Access Fee
$78.50
Regulatory / Misc. Fees
$44.80
Total Volume
$87,400.00
Total Fees
$3,538.20
WHAT YOUR STATEMENT IS HIDING
Processing statements are intentionally difficult to read. Fees are spread across multiple pages with confusing labels designed to obscure the real cost.
Fees labeled to confuse
"Network access fees," "regulatory product" charges, and "AVS CPU-G" entries are often pure processor profit — not mandated by the card networks.
Tiered pricing amplifies the gap
Non-qualified and mid-qualified surcharges silently inflate your effective rate far beyond what you were quoted at signup.
Spread across multiple pages
Charges are deliberately split across separate pages and sections so the total impact is never visible at a glance.
HOW IT WORKS

Upload. Analyze. Save.

Switching processors shouldn't be a hassle. We handle the heavy lifting so you can focus on running your business.

01
Upload Statement
Securely drag and drop your recent statement. Our AI takes seconds to read and parse the data.
02
Review Analysis
See exactly what you're paying in junk fees, and review our transparent interchange-plus quote.
03
Seamless Switch
Approved in 48 hours. Free equipment shipped next-day. Zero downtime during the transition.
OUR PROGRAMS

Pricing that makes sense.

Choose between transparent wholesale pricing or pass the fees entirely to cardholders.

TRADITIONAL
Interchange Plus
Pay the true wholesale cost of the card plus a small, transparent, fixed margin.
  • True wholesale pricing
  • No hidden or junk fees
  • Best for traditional retail
MOST POPULAR
Dual Pricing / Cash Discount
Eliminate your processing bill entirely by offering a cash price and a card price.
  • Save 100% on processing fees
  • Fully compliant solution
  • Terminals auto-calculate amounts
COST RECOVERY
Compliant Surcharging
Pass the exact cost of the credit card fee to the customer. Debit cards process free.
  • Pass fee to credit cards only
  • Debit cards remain free
  • Best for B2B and wholesale
HARDWARE

Modern equipment. Included at no cost.

We provide the latest smart terminals and point-of-sale systems from top brands — free to qualified merchants.

iPhone & Android
Tap to Pay

Accept contactless payments right on your iPhone or Android. Cards, Apple Pay, Google Pay, and digital wallets — no reader required.

No hardware needed
Dejavoo
Mobile Terminal

Wireless smart terminal with WiFi/Cellular, built-in receipt printer, and dual-pricing ready.

Free placement
Clover
All-in-One POS

Portable POS with inventory management, employee tracking, and payment in one device.

Compatible
Clover
Full POS System

Complete countertop system with cash drawer, receipt printer, and customer display.

Compatible
Ingenico
Countertop Terminal

EMV-certified terminal with contactless, chip, and swipe. Large touchscreen display.

Free placement
Dejavoo
Smart Terminal

Compact countertop terminal with built-in printer. Accepts all payment types.

Free placement
NCR
Enterprise POS

Full enterprise point-of-sale for restaurants, retail, and hospitality at scale.

Supported
iPhone & Android
Tap to Pay

Accept contactless payments right on your iPhone or Android. Cards, Apple Pay, Google Pay, and digital wallets — no reader required.

No hardware needed
Dejavoo
Mobile Terminal

Wireless smart terminal with WiFi/Cellular, built-in receipt printer, and dual-pricing ready.

Free placement
Clover
All-in-One POS

Portable POS with inventory management, employee tracking, and payment in one device.

Compatible
Clover
Full POS System

Complete countertop system with cash drawer, receipt printer, and customer display.

Compatible
Ingenico
Countertop Terminal

EMV-certified terminal with contactless, chip, and swipe. Large touchscreen display.

Free placement
Dejavoo
Smart Terminal

Compact countertop terminal with built-in printer. Accepts all payment types.

Free placement
NCR
Enterprise POS

Full enterprise point-of-sale for restaurants, retail, and hospitality at scale.

Supported
iPhone & Android
Tap to Pay

Accept contactless payments right on your iPhone or Android. Cards, Apple Pay, Google Pay, and digital wallets — no reader required.

No hardware needed
Dejavoo
Mobile Terminal

Wireless smart terminal with WiFi/Cellular, built-in receipt printer, and dual-pricing ready.

Free placement
Clover
All-in-One POS

Portable POS with inventory management, employee tracking, and payment in one device.

Compatible
Clover
Full POS System

Complete countertop system with cash drawer, receipt printer, and customer display.

Compatible
Ingenico
Countertop Terminal

EMV-certified terminal with contactless, chip, and swipe. Large touchscreen display.

Free placement
Dejavoo
Smart Terminal

Compact countertop terminal with built-in printer. Accepts all payment types.

Free placement
NCR
Enterprise POS

Full enterprise point-of-sale for restaurants, retail, and hospitality at scale.

Supported
COMPATIBILITY

Works with your current setup.

Our network integrates with almost every payment gateway, POS, and terminal on the market.

Payment Hardware
Clover
Ingenico
Verifone
NCR
Valor Paytech
Dejavoo
Clover
Ingenico
Verifone
NCR
Valor Paytech
Dejavoo
Clover
Ingenico
Verifone
NCR
Valor Paytech
Dejavoo
Clover
Ingenico
Verifone
NCR
Valor Paytech
Dejavoo
Software & Integrations
Shopify
QuickBooks
BillerGenie
NMI
Authorize.net
WooCommerce
BigCommerce
Rectangle Health
Magento
Shopify
QuickBooks
BillerGenie
NMI
Authorize.net
WooCommerce
BigCommerce
Rectangle Health
Magento
Shopify
QuickBooks
BillerGenie
NMI
Authorize.net
WooCommerce
BigCommerce
Rectangle Health
Magento
Shopify
QuickBooks
BillerGenie
NMI
Authorize.net
WooCommerce
BigCommerce
Rectangle Health
Magento
PROOF

Businesses are saving every month.

Real merchants who discovered what they were actually paying — and did something about it.

"After 8 years we thought we understood our rates. SolvitaPay's tool showed us we were paying significantly more than we thought. Switched and saved over $1,200 a month."

MD
Marcus D.
Auto Group Owner
SAVED $14,400/yr

"The upload took 30 seconds and the analysis was eye-opening. No pushy sales call, just the numbers. Exactly what we needed."

JK
Jennifer K.
Restaurant Group
SAVED $8,900/yr

"Finally a processor that shows you what you're actually paying. Transferred our 6 locations and cut processing costs by 31%."

RT
Robert T.
Retail Chain Owner
SAVED $22,000/yr

"We had no idea how many junk fees were buried in our statement. SolvitaPay broke it down line by line and we made the switch immediately."

SM
Sandra M.
Medical Practice
SAVED $9,600/yr

"The dual pricing program eliminated our processing fees completely. Our customers barely noticed the difference and we've saved thousands."

DL
David L.
HVAC & Plumbing
SAVED $11,200/yr

"Our previous processor locked us into a 3-year contract with fees we couldn't understand. SolvitaPay's transparency was a breath of fresh air."

AR
Angela R.
E-Commerce Retailer
SAVED $7,400/yr

Stop Paying More Than You Were Quoted.

Upload your statement today and find out exactly how much you're overpaying. No commitment required.

Upload My Statement
No contracts.No setup fees.No obligation.Results in under 60 seconds.