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NewChargeback Protection + Fee Intelligence for high-volume merchants. Get a savings analysis and a review of your dispute handling.See how it works
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Chargeback Protection + Fee Optimization

See how it works: high-volume merchants get automated dispute evidence, interchange optimization, and real-time savings visibility.

See how it works
Fee Check

Instant statement breakdown: see what you really pay

Upload your merchant statement for a secure, AI-assisted comparison against RapidCents pricing. Select your current processor, verify your email, and get a savings breakdown in minutes, no obligation.

Calculate your current effective rate

Enter sales and all fees from the same statement period. The result describes that statement—it does not predict savings.

Use one statement period for every field.

Example values are prefilled; replace them with your statement totals.

Effective rate
2.90%
Fees per $10,000 processed
$290.00 USD
Average fee per transaction
$2.23 USD

Effective rate = total processing fees ÷ processed sales × 100

This calculator runs in your browser. These three values are not uploaded.

What Fee Check reads on your statement

  • Your effective rate

    Comparable total fees divided by processed sales over the same period. It normalizes the comparison only when each option includes the same fee categories.

  • Interchange split from markup

    Card networks publish interchange schedules; the applicable category depends on the transaction. A detailed statement can show those costs separately from processor markup.

  • The lines that are easy to miss

    Monthly minimums, PCI fees, statement fees, batch fees or terminal rental may be additional. Check which ones appear in both your contract and statement.

  • Your payment mix

    Cost can change with debit, credit, card product, channel, average ticket and cross-border activity. Use your own mix instead of a generic industry average.

Questions about Fee Check

Is Fee Check free?

Yes. The review is provided at no cost and with no obligation, and you do not need a RapidCents merchant account to receive the result.

What document do I upload?

A recent processing statement, ideally a full month. The more representative the month, the more reliable the comparison.

Is my statement handled securely?

The statement goes through a protected upload and is used to produce your comparison. Read the privacy notice attached to the form for the applicable retention and handling details.

Do I have to switch providers afterwards?

No. You can use the analysis to evaluate RapidCents, discuss pricing with your current provider or simply understand your costs better.