Find Out Exactly How Much Your Payment Processor is Overcharging You
Get an Honest Second Opinion on Your Merchant Fees
If looking at your monthly credit card processing statement gives you a headache, you are not alone. The payments industry is notorious for confusing terminology, complex billing tiers, and buried surcharges that hide exactly how much profit they are extracting from your business.
At PayPoint Systems, we act as your local financial advocates. We provide a complimentary merchant account rate review to translate the confusing math your current processor relies on. Give us five minutes and one recent statement, and we will show you a clear, side-by-side breakdown of where your money is going, and exactly how to put it back into your pocket.
The “Dirty Secret” of Payment Processing
Most small business owners think they are paying a flat 2.9% rate. But when they divide total monthly fees by total processing volume, the real number is often much higher. Legacy processors and big-tech aggregators slowly drain your margins through deceptive practices.
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Tiered Pricing Downgrades
Punishing you with higher “non-qualified” rates just because a customer used a rewards card or a corporate credit card.
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Hidden Markups
Padding wholesale interchange rates so the processor pockets the difference without you noticing on your statement.
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Junk Fees
Charging monthly statement fees, PCI non-compliance penalties, and batch fees that deliver zero actual value to your business.
A Forensic Audit That Automated Calculators Miss
Generic credit card fee calculators are wildly inaccurate because they don’t account for your industry, the types of cards your customers use, or your average ticket size. When you want to accurately compare payment processing rates, you need a human expert.
Your True Effective Rate
We calculate exactly what percentage of your revenue is actually disappearing to fees. No estimates, no averages.
B2B Wholesale Optimization
If you process corporate cards, we check if you are correctly passing Level 2/3 data to secure the lowest possible B2B interchange rates.
The Dual Pricing Upgrade Path
3 Steps to Lower Merchant Fees
Our free merchant statement analysis is 100% secure and comes with zero high-pressure sales tactics.
Request Your Free Review
Share your details using the form below and a PayPoint representative will follow up to collect a recent statement. A PDF or a clear photo of a paper copy both work.
We Do the Math
A real payment expert at our Chicagoland office will analyze your line items, identify padded markups, and build a custom savings proposal.
Review Your Savings
We’ll email you a side-by-side comparison showing exactly how much you are currently paying versus what you should be paying.
What Merchants Say About the Audit
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Trusted by Merchants to Protect Their Margins
When you share your financial data with PayPoint Systems, it is protected by enterprise-grade security. Our experienced team has a proven track record of rescuing local merchants from predatory contracts.
We tell you the truth: if we review your statement and see you already have an incredible rate, we will tell you to stay exactly where you are.
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Secure Submission
Your details are submitted over an encrypted connection and your statement is reviewed only by our US-based team. We never sell or share your data.
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Human-Only Review
No bots. No automated scrapers. A real payment expert manually reviews every line item on your statement.
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Zero Obligation
No contracts, no commitments. If we can't show you meaningful savings, we part as friends.
Frequently Asked Questions
Answers to the questions merchants ask before submitting their statement.
Is my financial data safe when I share it? +
Yes. Your details are submitted over an encrypted connection and your statement is reviewed only by our internal, US-based auditing team. We never sell or share your data with any third party.
What if I’m locked into a long-term contract? +
Many merchants stay in contracts because they fear the Early Termination Fee (ETF). During your free rate audit, we will show you what your costs would look like under each program so you can weigh any difference against that cancellation fee yourself.
Will I need to buy all new equipment? +
Not always. While we offer a full suite of modern Clover, Square, and Dejavoo smart terminals, we can often reprogram your existing, unlocked equipment to work with the pricing structure you choose.
What if the audit shows my current rate is already competitive? +
We tell you the truth. If your current processor is genuinely competitive, we will tell you to stay exactly where you are and explain why. Our goal is to be your long-term payment advisor, not to force a switch that doesn’t make sense.
Stop Guessing. Start Saving.
Don’t have your statement handy?
No problem. Enter your details or schedule a quick call and we’ll help you pull the data you need to get started.
LLC, and/or its affiliates, is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Cincinnati, OH, Peoples Trust Company, Vancouver, BC, Canada, PNC Bank, N.A., Pittsburgh, PA, Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada, Deutsche Bank AG, New York, NY, Merrick Bank Corporation, South Jordan, UT, and Synovus Bank, Columbus, GA. registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and a Third Party Agent (TPA) of Fifth Third Bank, N.A., Cincinnati, OH.