Free statement analysis · 90 seconds

Your processor isovercharging you.We'll prove it.

Drop in a recent statement. We read every line, expose every junk fee, and show you what you should be paying. Honest math, no obligation.

Certified rates · Certified savings · Certified honest

$100.00one customer payment
Interchange
wholesale — the card-issuing bank's cut
$1.79
Assessments
Visa / Mastercard network fee
$0.14
Processor margin
negotiable — most merchants never do
$0.55
Junk fees
PCI 'non-compliance', statement fees, padding
$0.87
CertiCharge
5310 2026 0727 4820
Merchant
YOUR BUSINESS LLC
Certified honest.
075

Rate analyzed against the wholesale interchange floor. Every basis point accounted for. No junk fees.

CERTIFIED
A customer pays $100.

The money starts moving before the receipt prints. Most merchants never see where it goes.

It splits four ways.

Interchange and assessments are the real, published cost — $1.93. Everything above them is someone's opinion.

This layer is invented.

$0.87 of every $100 — junk fees with official-sounding names. Across a year, that's real money leaving your business.

We certify the floor.

CertiCharge quotes from the published wholesale cost, shows the margin in writing, and deletes the junk.

Ninety seconds of your time.

One statement in — a forensic read-out of every line. You do nothing but send it.

Three promises, in writing.

Rates, savings, honesty — certified on every report we sign.

How it works

Three steps. Ninety seconds.

01
Send us a statement

Your most recent processor statement, however it came: PDF, scan, photo. We don't need anything else.

02
We read every line

Each fee identified and named. Junk fees flagged. Effective rate computed against the wholesale floor.

03
Get the report

A signed analysis with your real cost, three pricing options, and projected annual savings. Yours to keep.

Why CertiCharge

Three promises.

Certified rates

Every quote backed by the wholesale interchange tables we maintain ourselves. The math is on the page.

Certified savings

Your savings figure is the actual delta — what you pay today minus what you'd pay with us. Annualized honestly.

Certified honest

No hidden agent commission baked into your rate. We tell you what we make on you. If we can't beat your deal, we say so.

Now certify yours.

One statement. Ninety seconds. Every junk fee named — in writing.

Get my free analysis
The CertiCharge Analysis
Step 01 — The problem

You're not paying what they
say you're paying.

Quoted
1.85%
Effective
3.42%
Most processor statements hide three to seven fees that have nothing to do with the cost of running your card. We name every one.
On the average statement

This much is just noise.

$100–$300/ mo
PCI complianceStatement feeBatch headersRegulatory recoveryMonthly minimum

On a typical statement, four to seven fees have nothing to do with processing your sales. We name each one, total them, and put them on your report.

How we save businesses money

20 to 30 basis points lower, on average.

Wholesale interchange floor
+A fair, transparent markup
=Your honest rate
Interchange (the wholesale cost we can't change) plus a fair, transparent markup. No commission baked into your rate. Most businesses cut their effective rate by 0.20% to 0.30%.
Potential annual savings

Businesses save

$3K–$10K/ yr
Based on the merchants we've analyzed. Your number depends on your volume and current rates — we'll show you yours, on paper, before you commit to anything.
Free · No commitment · 90 seconds

See what you'rereally paying.

Send us a recent statement. You'll get a signed analysis with your real cost, three pricing options, and your projected annual savings — yours to keep.