01 / REVIEW AREA
Reconcile each fee
Match statement line items to the fee schedule and request explanations for unclear descriptions.
ACQUIRER & MERCHANT AGREEMENT REVIEW
Make every line of your bill explainable.
Review your Worldpay, Fiserv or Global Payments statement against the agreement. Separate genuine cost changes from charges that need an explanation.
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
How do you review a merchant processing fee increase?
Compare statements, transaction mix and contractual pricing across the affected periods. Separate network cost changes from provider charges and check applicable notices or amendments. A higher effective rate does not by itself prove an error, hidden markup or a right to a refund.
Interchange rates are set by card networks. Review qualification and provider pricing separately.
WHAT WE REVIEW
Start with the details
that affect your costs.
Start with the agreement and the transactions. Let the evidence identify the issue.
02 / REVIEW AREA
Explain the change
Compare card mix, activity and pricing between periods before attributing an increase.
03 / REVIEW AREA
Review the alternatives
Evaluate transparent pricing options together with minimums, commitments and potential exit costs.
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 acquirer statement review checklist ↗| Review area | The question to ask |
|---|---|
| Tiered pricing | How are transactions classified and what rates apply to each tier? |
| Billback charges | Which processing period and transactions do the later charges cover? |
| Rate notices | Which fees changed, why and under which agreement terms? |
| Renewal or cancellation | What deadlines, notice requirements and costs apply? |
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 acquirer statement review, 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 acquirer statement review and how a Rebar review works.
Does an April or October increase mean the processor added hidden fees?
No. Network schedules can change, and your transaction mix may change too. Reconcile the statement and agreement before concluding that a provider added markup.
Can I renegotiate during a contract?
You can ask the provider about available terms, but a change requires agreement. Do not assume a rate lock, refund or waived exit cost unless it is confirmed in writing.
Is interchange-plus automatically cheaper than tiered pricing?
No. Compare full costs on the same transaction profile, including network fees, provider charges and minimums. Transparency and total cost are separate questions.
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: interchange explained ↗NMI: gateway and processing fees ↗Account-specific terms may differ.
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