Processing Health Check
Sample Business, LLC — Statements Q1
3 statements reviewed · Monthly volume ~$185,000
Current effective rate
3.41%
Projected rate
2.62%
Est. monthly savings
$1,462
Fees worth questioning
- PCI Non-Compliance Fee$39.95/moAvoidable — complete the SAQ-A form.
- Statement Fee$15.00/moIndustry standard is $0–$5; negotiable.
- Batch Fee$0.35/batchHigher than typical $0.10–$0.20.
- Tiered “Non-Qualified” markup0.85%Switch to Interchange+ pricing to eliminate.
Where the savings come from
- Move from 3-tier pricing to Interchange+ (~0.55% savings)
- Renegotiate batch + statement fees (~$30/mo)
- Enable Level-2 data on B2B card transactions (~0.20% savings)
- Resolve PCI compliance to remove monthly fee ($40/mo)
Workflow tips
- Add pay-by-link to invoices — clients pay 4 days faster on average.
- Tokenize repeat clients so monthly retainers run on card-on-file.
- Offer ACH as the default for invoices over $2,500 to cut interchange.
Talk track for your current processor
“We've reviewed our last three statements. We'd like to move from tiered to Interchange+ pricing, drop the statement and PCI fees, and reduce the batch fee to $0.15. We'd like a revised proposal within two weeks; otherwise we'll be moving processors.”