Find Out Exactly How Much Your Payment Processor is Overcharging You
Don’t trust automated calculators that spit out fake teaser rates. Upload a recent processing statement and our Midwest-based experts will perform a free, line-by-line forensic audit to reveal your true effective rate and uncover hidden junk fees.
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 Zero-Fee Upgrade Path
We identify if your business qualifies for our Cash Discount programs, which can legally eliminate up to 100% of your processing costs. Learn about Zero-Cost Processing →
3 Steps to Lower Merchant Fees
Our free merchant statement analysis is 100% secure and comes with zero high-pressure sales tactics.
Securely Upload Your Statement
Use our encrypted portal below to upload a recent PDF statement. Only have a paper copy? Just snap a clear photo with your smartphone!
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 Midwest Merchants Say About the Audit
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Trusted by Midwest Merchants to Protect Their Margins
When you upload your financial data to PayPoint Systems, it is protected by enterprise-grade security. With over 13 years of experience and more than $700 million in settled volume, we have 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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End-to-End Encryption
Your statements are transmitted via encrypted upload and 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 upload it? +
Yes. Your uploaded statements are transmitted via end-to-end encryption and are only reviewed 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 bad contracts because they fear the Early Termination Fee (ETF). During your free rate audit, we will show you exactly how long it will take for your new monthly savings to completely offset that cancellation fee—usually just a month or two.
Will I need to buy all new equipment to get these savings? +
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 seamlessly with our lower rates.
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.
Payroc 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. Payroc is a 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.