Identify what happened and what facts matter.
Instant download
Lifetime access
Editable templates
Made for U.S. small businesses
issue signal
Statement is hard to read
A new fee line
Business owner search
How do I fix statement is hard to read?
Collect the evidence, details, and wording.
Use the workflow, script, and tracker.
Guided resolution
Ask in writing
Payments
Merchant Processing Fee Audit + Rate Renegotiation Kit
In the first hour: save the last three statements, including a slow month, and do not cancel the processor. Your contract and your processor's written answers decide what applies. You decide whether to stay or switch.
Status as of October 30, 2026. Visa's regulation and fees page at https://www.visa.com/en-us/support/business/regulation-fees was opened that day, including the download it names, Visa USA Interchange Reimbursement Fees, at https://usa.visa.com/content/dam/VCOM/download/merchants/visa-usa-interchange-reimbursement-fees.pdf. If a page and this guide disagree, the page wins. This guide does not print interchange rates.
- Three statement months, including a slow month, with effective rate formulas
- Fee finder for statement, minimum, PCI, gateway, batch, annual, downgrade, and Amex lines
- Contract checklist for term, early termination, auto renewal, equipment lease, and reserve rights
- Equal terms quote sheet and a switch plan you start only after the exit terms are read
PDF guideWord playbookExcel control centerSTART-HERE.txt
Recommended
$6,876 total retail value, all 154 kits one at a time.
All-Access ($29/mo founding) includes every kit download while you stay subscribed.
Best valueAnnual founding $290/yrFounding Member rate, locked for life. After the founding window closes, the price rises to $39/mo for new members.
Instant download: PDF guide, editable templates, and tracker. Secure Stripe checkout.
Digital kits. Yes. If the kit doesn't give you a clearer next step on your problem, email us within 7 days of purchase with your order ID and we'll refund you. Membership has its own 30-day money-back guarantee on the first payment.
All-Access membership. Cancel anytime. Your first membership payment is covered by a 30-day money-back guarantee: email us within 30 days of your first payment with your order ID. Renewal payments are not refundable once charged, but cancelling stops future renewals.
Questions before you buy? Email us.
Your rowsEffective rate is total fees divided by the volume you type
Written answersA phone call stays unmarked until the email is saved
You decideStay, ask for a reprice, or switch is your choice
One-time purchaseYours to keep and reuse
Product preview
See the kit at a glance.
Real pages from the actual kit you download, not a mockup. Every kit includes the step-by-step PDF guide, editable Word templates, and a working spreadsheet.
- Exactly four buyer files in the ZIP
- Nine Guide scripts in the Word playbook
- Status words in the dropdowns match the Dashboard counts
- No processor pick and no savings figure
Who it is for
Built for the exact moment this starts costing money, trust, or time.
Owners and bookkeepers at a small card-accepting business (retail, restaurant, service, or ecommerce) who cannot read the monthly merchant statement and want a file before they ask the processor to explain a line or compare a quote.
If Stripe is holding funds, open the Stripe risk review kit.
If a reserve or a payout hold is already in place, open the merchant account payout hold kit.
If the account was terminated or a MATCH letter arrived, open the merchant account termination kit.
If the line is a chargeback and you need the dispute file, open the chargeback evidence kit.
This helps when
- A statement you cannot split into volume, total fees, and the lines underneath.
- An effective rate you have not calculated from your own volume and your own total fees.
- A new line, a monthly minimum, a PCI or noncompliance fee, a gateway or batch fee, an annual fee, a downgrade, or an Amex schedule that nobody has asked about in writing.
- A quote that does not reprice the statement you actually sent.
- A cancellation you are about to send before you have read early termination, liquidated damages, auto renewal, an equipment lease, reserve rights, or funding delay.
- A quarterly habit so the next new line is not a surprise.
What this solves
A practical path from “what do I do now?” to a clear next action.
Use the guide, scripts, and tracker to organize the facts, choose the next move, and keep follow-up from slipping.
What you will be able to do
- A reading order and a stop rule before you cancel or switch.
- One message with the brackets replaced, plus an internal decision memo that does not pick a processor for you.
- Latest effective rate, open fee questions, contract rows not checked, quotes missing fees, and the decision you set.
How each file is used
- See how to read three statements, how to log the lines the statement prints, and which neighbor kit owns a PCI fee, a hold, a termination, or a chargeback.
- Send the explanation, the reprice ask, the quote request, the missing fee follow up, and the cancellation notice only when the exit terms are known.
- Type volume, fees, contract clauses, and quote inputs so the statement effective rate, the change versus the prior month, and an all-in quote total calculate from your rows.
Included inside
- PDF guide with the statement reading order, pricing model names, and a labeled example
- Word playbook with nine scripts for the current processor, competing quotes, and cancellation
- Excel control center with live formulas, dropdowns, and a Dashboard of rows you type
- START-HERE.txt that says which file to open before you cancel
Getting paid & money
Related kits
Three other kits for this kind of problem.
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Payments
Stripe Risk Review + Funds Hold Release Kit
A risk-review packet and payout-release tracker for Stripe restrictions and holds.
View kit
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Payments Risk
Merchant Account Payout Hold Release Kit
Name the payout hold or reserve trigger, send the right packet, and show with numbers when trapped cash exceeds your real exposure.
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Ecommerce Risk
Chargeback Evidence + Rebuttal Kit
A practical kit for payment disputes and chargeback evidence deadlines.
View kitFAQ
Common questions about this kit.
Who is the Merchant Processing Fee Audit + Rate Renegotiation Kit for?
Owners and bookkeepers at a small card-accepting business (retail, restaurant, service, or ecommerce) who cannot read the monthly merchant statement and want a file before they ask the processor to explain a line or compare a quote.
What's included in the Merchant Processing Fee Audit + Rate Renegotiation Kit?
Exactly four buyer files: a PDF guide, an editable Word playbook, an Excel control center, and START-HERE.txt. This is a bookkeeping and vendor-management organizer. Your contract and your processor's written answers decide what applies. You decide whether to stay or switch.
Is this a one-time purchase or a subscription?
It is a one-time purchase of $39. You download the files and keep them. There is no recurring charge.
How do I get the Merchant Processing Fee Audit + Rate Renegotiation Kit after buying?
Instantly. After secure Stripe checkout you receive a private download link to the complete kit files.
Can I reuse it whenever the problem comes up again?
Yes. Use it across your own business as many times as you need. Please do not resell or redistribute the files.
Can I get a refund?
Yes. If the kit doesn't give you a clearer next step on your problem, email us within 7 days of purchase with your order ID and we'll refund you. Membership has its own 30-day money-back guarantee on the first payment.
Does this guarantee an outcome?
Bookkeeping and vendor-management organizer. Your contract and your processor's written answers decide what applies. You decide whether to stay or switch. This page does not choose a processor or promise a lower bill.
Important fit note
Clear guidance, not false certainty.
Bookkeeping and vendor-management organizer. Your contract and your processor's written answers decide what applies. You decide whether to stay or switch. This page does not choose a processor or promise a lower bill.
Get all 154 kits for $29/mo, cancel anytime
Secure Stripe checkout. All-Access ($29/mo founding) includes every download.