Free merchant statement analysis
Processing fees add up. Overpaying for them doesn’t have to.
Every month, business owners hand thousands to payment processors without knowing they’re being overcharged. We analyze your merchant statement for free and show you exactly where you’re losing money — and how to fix it.
Get My Free Statement Analysis Book a Call
- No hidden fees
- Transparent pricing
- Expert support from real people
- Free statement analysis
Illustrative example
What an analysis looks like
- Monthly card volume
- $84,300
- Current effective rate
- 3.42%
- Comparable HighPoint rate
- 2.61%
- Estimated saving
- $683/mo
Example figures only — your analysis is built from your actual statement, line by line.
The problem
Most owners don’t know what they’re actually paying
Not because they aren’t sharp — because merchant statements are built to be hard to read.
The quoted rate isn’t the real rate
That “1.9%” you were quoted applies to some transactions. Downgrades, surcharges and card-mix rules push the true all-in cost — your effective rate — well above it.
Junk fees hide in plain sight
Statement fees, PCI “non-compliance” charges, gateway add-ons, annual fees, minimums. Individually small, together they quietly take thousands a year.
Nobody checks the math
Processors count on statements going unread. We read every line, reconcile the totals, and put a clear number on what you pay and what you could pay instead.
How it works
Three steps. About 30 seconds of your time.
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Upload your statement
Send one recent monthly statement through a private, encrypted link. PDF or phone photos — it takes about 30 seconds, and there’s no obligation.
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We analyze every line
Our analysis engine reconciles your volume and fees, categorizes every charge, and works out your true effective rate — then Carol reviews it personally.
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You get a straight answer
A clear savings breakdown and a quick call with Carol — or an honest “you’re in good shape, stay put.” Either way, you finally know.
Under the microscope
What we analyze on your statement
Every fee gets categorized, so you can see what’s a real card-network cost and what’s processor markup.
Effective rate
Total fees divided by processed volume — the single number that tells the truth about your processing cost.
Processor markup
The percentage and per-transaction margin your processor adds on top of card-network costs — the part that can actually move.
Interchange & pass-through
The card-brand costs every processor pays. We separate these from markup so comparisons are honest, like-for-like.
Monthly & annual fees
Statement fees, service fees, minimums, “annual membership” charges — the recurring fixed costs that add up quietly.
PCI, gateway & equipment
Compliance charges, gateway fees and terminal leases — frequent hiding places for avoidable cost.
Chargebacks & risk costs
Dispute and retrieval fees, and whether your setup is inviting more of them than it should.
Services
More than an analysis — a better processing setup
Customized payment solutions and exceptional service to streamline operations and cut costs.
Zero-cost & surcharge programs
Compliant surcharge and cash-discount programs that can offset most or all of your processing cost — where permitted, set up exactly to the rules.
Mobile payments
Take cards on the go — job sites, markets, deliveries — with simple mobile readers and fair, transparent rates.
E-commerce & gateways
Online checkout, invoicing, recurring billing and gateway integrations that work with the platforms you already use.
POS system integrations
From countertop terminals to full retail and restaurant POS — processing that fits your system instead of forcing a new one.
Security & PCI guidance
Plain-English help getting and staying PCI-compliant — and an end to mystery “non-compliance” charges.
Chargeback support
Practical prevention, alerts and response help when disputes happen — so chargebacks stop being a silent tax.
Why HighPoint
Family-owned. Straight answers. A real person on the phone.
- Honest verdicts. If your current setup is competitive, we say so. The no-saving answer is a real outcome here, not a sales trick.
- Transparent pricing. You see the costs, the markup and the math. Nothing is buried on page six.
- Direct access to the owner. Clients get Carol’s personal number. No phone trees, no ticket queues, no gatekeepers.
- Built for small business. We work with US businesses processing roughly $100K to $5M a year — the businesses big processors ignore.
- Service after the switch. Statements re-checked, questions answered, problems owned. The relationship starts at go-live, it doesn’t end there.
Our promise
“If we can’t save you money, we’ll tell you. No hidden fees, no pressure, no games — just honest advice from people who answer their phone.”
Meet the owner
Carol Grant
“Hi, I’m Carol — owner of HighPoint Solutions and a fellow small-business operator. I’ve seen too many owners quietly overpay for processing because nobody ever showed them their own numbers. Upload your statement and I’ll personally make sure you get a straight answer. And I give every client my personal number, so when you need something, you reach me — not a call center.”
FAQ
Fair questions, straight answers
Is the statement analysis really free?
Yes — completely free, with no obligation. We analyze your statement, show you what you are paying and where the money is going, and tell you honestly whether we can do better. You decide what happens next. There is no invoice, no deposit, and no card required.
What do you need from me?
One recent monthly merchant processing statement — the document your current processor sends or posts to your portal each month. A PDF is ideal, but clear photos of each page work fine. The more pages you include, the more precise the analysis, because many of the costly fees hide on the later pages.
How long does the analysis take?
Usually within one business day, often faster. Once your statement is uploaded, our analysis engine reconciles your volume, transactions and every fee line. Carol then reviews the result personally before anything is sent to you — nothing goes out unchecked.
Is my statement safe?
Yes. You upload through a private, expiring link created just for you. Files are encrypted in transit and at rest, stored with access controls, never placed in any public folder, and never sold or shared for marketing. We use your statement for one purpose only: your analysis. You can ask us to delete it at any time. Please never send card numbers, passwords or banking logins — we will never ask for them.
Find out what you are really paying.
Upload one recent statement. If we can save you money, we will show you exactly how much. If we cannot, we will tell you that too.
Get My Free Statement Analysis Book a Call
If we can't save you money, we'll tell you. No sales pressure — just honest advice.