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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
Results in 60 seconds·No obligation·Always free
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

From statement to savings in three steps.

01

Upload your statement

Drag and drop your most recent processing statement — any processor, any format. Our AI reads and parses every line item in under a minute.

< 60 secto complete analysis
02

See exactly what you're paying

Every junk fee flagged. Your real effective rate calculated. A transparent interchange-plus quote delivered — with a full itemized breakdown before you commit to anything.

100%fee transparency
03

We handle the switch

Approved in 48 hours. Free equipment shipped next day. We reprogram your terminals and test everything. You never miss a day of processing.

48 hrsaverage approval time
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
💰 Earn up to $10,000 — see bonus
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
SIGN-ON BONUS

Get Paid to Switch.

We're so confident you'll save with SolvitaPay, we'll put real money in your pocket. Join our Dual Pricing or Cash Discount program, keep processing, and after 90 days we send you a sign-on bonus — by check or ACH, your choice.

How it works

01
Switch to SolvitaPay
Join our Dual Pricing or Cash Discount program — we handle the full setup and terminal configuration.
02
Process for 90 days
Keep processing normally. We average your monthly volume across your first three months, with active processing required each month.
03
Collect your bonus
After day 90, we verify your tier and send your bonus — by check or ACH, whichever you prefer. Paid within 30 days of qualifying.
See If You Qualify — Call (815) 290-0639
Monthly Volume (avg)Your Bonus
$50,000+$500
$100,000+$1,000
$250,000+$2,500
$500,000+$5,000
$1,000,000+$10,000

Example

If you process $40K, $60K, and $50K over your first three months, that averages $50,000/month — you qualify for the $500 bonus. The bigger your volume, the bigger your bonus.

Bonus requires an approved account on SolvitaPay's Dual Pricing or Cash Discount program and is based on your verified processing volume. See full terms for complete details.

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

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.