01 / REVIEW AREA
Reconcile the agreement
Match actual billed fees to your rate schedule, volume tiers and payment-method agreements.
ENTERPRISE PAYMENT COST REVIEW
A negotiated rate is only part of the bill.
Put your Braintree, PayPal or Adyen agreement next to what you actually pay. Understand the fees, commitments and tradeoffs before your next renewal.
No advisory feesNo obligation to switchClear next steps
Partner-funded advice. Provider fees and terms still apply.
BUILT FOR THE PEOPLE
RESPONSIBLE FOR MARGIN
RESPONSIBLE FOR MARGIN
01 Founders & operators
02 Finance teams
03 Ecommerce & platforms
THE DIRECT ANSWER
What should an enterprise processor audit cover?
An enterprise payment review compares contracted pricing with billed costs by payment method, country and currency. It separates interchange and network fees from provider charges, then examines minimums, authorization fees, refunds and currency conversion. A low headline markup does not describe the whole agreement.
Adyen publishes a fixed processing fee plus a payment-method fee. Other products and negotiated agreements can change total costs.
WHAT WE REVIEW
Start with the details
that affect your costs.
Compare agreements on the same transaction mix, currencies and service scope.
02 / REVIEW AREA
Segment the economics
Compare domestic cards, international cards and wallets separately so averages do not hide differences.
03 / REVIEW AREA
Prepare for renewal
Identify questions about minimums, commitments, currency conversion and services before renegotiating.
A BETTER PROVIDER CONVERSATION
Know what
to ask next.
Use the review to turn a rate discussion into a complete cost comparison. These are questions to investigate, not findings about your account.
Get the enterprise processors checklist ↗| Review area | The question to ask |
|---|---|
| Braintree and PayPal | Are card processing and PayPal wallet terms quoted separately? |
| Adyen | How do processing fees, payment-method fees and other products add up? |
| Cross-border payments | Which charge comes from the network, provider or currency conversion? |
| Volume tiers | Which transactions count toward commitments and tier changes? |
FREE TOOL / NO EMAIL REQUIRED
What would a small
rate change mean?
Use your own volume and fees to explore a hypothetical reduction. A basis point is 0.01 percentage points. This is a scenario, not a quote or savings forecast.
20 bps
0 bps100 bps / 1 percentage point
ILLUSTRATIVE ANNUAL IMPACT
$6,000 / year
Example inputs are prefilled. Replace them with your figures.
Current effective rate3.00%
Scenario effective rate2.80%
Illustrative monthly difference$500
Annual impact = monthly volume × basis points ÷ 10,000 × 12. Assumes constant volume and a change to the effective rate. Excludes implementation and switching costs.
Your calculator amounts stay in your browser and are not sent with your inquiry or analytics.
Find out what is worth reviewing ↗TWO WAYS TO START
Bring us the question.
Leave with a next step.
Get a focused review or a checklist to guide your own provider conversation.
01 / COMPLIMENTARY REVIEW
A clearer payment statement.
Request a review of your current costs, the questions worth asking and the options worth testing.
Request my free review ↗02 / PROVIDER CONVERSATION CHECKLIST
A better pricing conversation.
Get six checks tailored to enterprise processors, including the documents to gather and the questions to raise.
Get my review checklist ↗01
Share your starting point.
Your website, provider and approximate volume are enough to begin.
02
Review the evidence.
We identify the information needed and arrange document collection separately.
03
Choose your next move.
Keep your setup, ask better questions or evaluate a suitable alternative.
LET’S LOOK AT YOUR SETUP
Make your next
payment decision
an informed one.
Tell us where to start. Chris will review your request and follow up on the most useful next step.
Chris Fava
Rebar Payments advisory
chris@wearerebar.com
Rebar is compensated through processing partners when eligible referred merchants transact. You are free to keep your current provider.
Checking request availability. You can also book a call or email Chris.
BEFORE YOU START
A few practical
questions.
Clear answers about enterprise processors and how a Rebar review works.
Can Braintree or PayPal pricing be negotiated?
Commercial terms are account-specific. Prepare your transaction profile and ask the provider which pricing options are available. Rebar does not promise a particular rate or concession.
Why review an interchange-plus agreement?
Passing through interchange still leaves provider fees, network charges, product fees and contract terms to understand. A review checks the full cost against the agreement.
Does a higher bill prove the processor raised its markup?
No. Changes in card mix, countries, refunds or transaction counts can raise the effective rate. Reconcile those factors before attributing the change to pricing.
How does Rebar get paid?
Rebar can receive compensation from payment processing partners when eligible referred merchants transact. The payments advisory review has no upfront or ongoing Rebar fee. You are free to keep your current provider. Processing fees and provider terms still apply.
Provider sources reviewed October 30, 2026:Adyen pricing ↗Adyen: interchange explained ↗Account-specific terms may differ.
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