01 / REVIEW AREA
Make the bill readable
Group percentage, per-transaction and recurring charges so the total makes sense.
COMPLIMENTARY PAYMENT COST REVIEW
Your processing fees. A clearer picture.
Find out what you pay, what deserves a closer look and what to ask your provider. Get a free payments review with no obligation to switch.
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 does a merchant statement audit tell you?
A merchant statement audit explains your processing costs and checks them against your agreement. It separates interchange, network charges and provider fees where the reporting allows. Rebar’s free review identifies questions, potential options and the evidence needed before making a recommendation.
A statement alone cannot establish every issue. A useful review may also need the agreement and transaction reports.
WHAT WE REVIEW
Start with the details
that affect your costs.
The goal is an evidence-based next step, whether you keep your provider or consider another.
02 / REVIEW AREA
Check the agreement
Compare the billed pricing with the schedule and investigate differences that need an explanation.
03 / REVIEW AREA
Choose the next step
Prepare provider questions, evaluate available options or confirm that the current setup fits.
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 statement audit checklist ↗| Review area | The question to ask |
|---|---|
| Effective processing rate | What were total processing fees divided by the same period’s card volume? |
| Provider charges | Which charges are recurring, percentage-based or per event? |
| Network and interchange | Which costs are passed through and which are bundled? |
| Contract terms | What minimums, renewal terms or exit costs need review? |
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 statement audit, 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 statement audit and how a Rebar review works.
Is the merchant statement review free?
Yes. Rebar charges no upfront or ongoing payments advisory fee. Rebar can receive compensation from processing partners when eligible referred merchants transact. Provider fees and terms still apply.
Do I have to change processors?
No. A review can help you understand your current setup and prepare questions for your existing provider. Switching is optional and depends on the evidence and available terms.
Should I upload a processing statement here?
Start with your contact details, website and approximate monthly volume. Do not submit account numbers, card data, customer information or statements through this public form. We can arrange document collection separately.
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.
EXPLORE OTHER PAYMENT REVIEWS