What is a merchant statement review?

A line-by-line read of one recent processing statement: what you are actually being charged, which line items are avoidable, where risk holds or reserves appear, and how your file reads to an underwriter.

What do I need to send?

One recent statement, as a PDF or a photo. Nothing else. Redact anything you do not want to share — the analysis works from the fee lines and volume summary.

How long does it take?

You get a written review back within 24 hours on business days.

Is it really free, and what happens after?

It is free and there is no obligation. If the review shows something worth changing, we say so; if your current setup is fine, we say that too.

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Free statement review

Upload a recent processing statement and get a plain-English read on your cost structure, risk flags, and underwriting position within 24 hours. No obligation.

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Short answer

A statement review is a line-by-line read of what your current processing setup is actually doing: how your costs are structured, which line items signal risk to an underwriter, and what a reviewer would question if you applied elsewhere tomorrow. It takes one recent statement, it is free, and it comes back within 24 hours with no obligation.

Start

Send one statement

PDF or photo. Redact anything you like.

Process

How the review works

1
You send one statement
Upload a recent statement as a PDF or a photo. No account, no data pack, no call required first.
2
We read it line by line
Every fee line is identified and grouped, and anything unusual — holds, reserves, unexplained line items — is called out in plain language.
3
You get a written review in 24 hours
A short written summary of what you are paying for, what is avoidable, and how your file reads to an underwriter.

Coverage

What the review covers

Every fee line identified and grouped
Avoidable versus structural costs
Risk holds, reserves, and rolling deposit language
Descriptor and dispute signals visible on the statement
How the account reads from an underwriting perspective
What to fix first, in order

Key takeaways

Most statements contain line items the merchant has never had explained to them.
Risk holds and reserve language on a statement are early signals worth reading carefully.
One statement is enough — you do not need to assemble a data pack.
A review is a read, not an application; nothing is submitted anywhere on your behalf.

FAQ

Questions people ask about this

What is a merchant statement review?: A line-by-line read of one recent processing statement: what you are actually being charged, which line items are avoidable, where risk holds or reserves appear, and how your file reads to an underwriter.
What do I need to send?: One recent statement, as a PDF or a photo. Nothing else. Redact anything you do not want to share — the analysis works from the fee lines and volume summary.
How long does it take?: You get a written review back within 24 hours on business days.
Is it really free, and what happens after?: It is free and there is no obligation. If the review shows something worth changing, we say so; if your current setup is fine, we say that too.

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