Your processor is overcharging you. Our AI proves it in 5 minutes.
Free AI-powered audit of your credit card processing. Upload your last statement, get a written breakdown of every fee, every overcharge, and what you should be paying instead. We pay you $500 if we can’t lower your costs.
Takes under 5 minutes Your data never leaves your control No credit card required
- $2.4M+Recovered for merchants
- 3,200+Statements audited
- 15-40%Typical overpayment range
- $500Guaranteed if we can't lower
Three steps. Five minutes. Zero risk.
No phone calls. No salespeople. No fine print. Just upload, get audited, and decide what to do with the findings.
- 01
Upload your statement
Drop in your latest credit card processing statement. PDF, screenshot, or photo. Takes 30 seconds.
- 02
AI audits everything
Our AI reads every line. Identifies overcharges, junk fees, and rates you should be paying instead. Benchmarks you against 3,200+ peer merchants.
- 03
Get your savings
A written breakdown showing exactly where you're being overcharged and how much you'll save. If we can't lower your costs, we pay you $500.
Tools that pay you back. Free.
Every tool below is genuinely useful, genuinely free, and built on the same AI that powers the full audit.
AI Statement Decoder
Upload any statement. Get a plain-English breakdown of every fee in 60 seconds.
Effective Rate Calculator
Two numbers, instant answer. See your true effective rate vs. industry peers.
FICA Tip Credit Calculator
Restaurants: claim the federal tax credit you're already owed. Most don't.
The Payzium Index
The live national average effective processing rate. Updated daily.
Your processor counts on you not reading the statement.
Most credit card processing statements are designed to be confusing. Hidden fees. Padded interchange. Junk surcharges with names like “Regulatory Cost Recovery” and “Network Access” that don’t refer to anything specific.
Most merchants don’t audit their statements because the statements are not readable. Even merchants who try usually miss the markup, because the markup is buried where they wouldn’t think to look.
Payzium reads the statement the way a forensic auditor would. Except in 5 minutes instead of 5 hours.
Most merchants we audit are overpaying by 15% to 40%. Some by more.
What we find by industry.
Median annual overcharges across 3,200+ audits, by vertical. Every merchant's statement is different. The patterns aren't.
Restaurants
Inflated interchange, debit-card markup, AmEx OptBlue rates, terminal premiums.
$2,140Median / yearRetail (independent)
Bundled pricing hiding interchange markup, gateway fees, monthly minimums.
$1,890Median / yearMedical & dental
Card-not-present surcharges, statement fees, recurring billing markups.
$3,200Median / yearAuto repair
PCI non-compliance fees, monthly minimums, parts vs. labor pricing inefficiencies.
$1,650Median / yearSalons & spas
Tiered pricing on credit-card mix, terminal lease overcharges, gift-card markups.
$1,420Median / year
Built for the way you actually run.
Different verticals, different card mix, different operating realities. Same underlying problem: flat-rate pricing is costing you.
Brick & mortar
Multi-location rollups, high-volume optimization, hardware flexibility. Built for operators who run stores, not SaaS.
Food & beverage
Tip adjust, multi-location, delivery reconciliation, weekend funding. Keep your POS, change the processor.
Professional & medical
Law firms, accountants, consultants, dental, medical. IOLTA + HIPAA aware, surcharge-ready, invoice-first.
Online stores
Shopify, WooCommerce, BigCommerce, Magento. Gateway + processor in one with real fraud controls and 3-D Secure.
See us against your current processor.
Honest side-by-sides, including the parts where the incumbent is genuinely better. We'd rather send you back than route the wrong merchant.
Square
Retail and restaurants on Square's 2.6% + $0.10 flat rate. Break-even above ~$5K/month.
Toast
Restaurants on Toast's integrated POS + flat-rate processing. Keep the POS, swap the processor.
Stripe
Services, invoicing, retainers on 2.9% + $0.30. The flat-rate tax compounds fast.
What we look for. What we find.
Every Payzium audit reads your statement against four categories of overcharge. Each category covers patterns we’ve found across thousands of statements. Each category is verifiable on your own bill.
Junk fees
Padded surcharges with vague names: “Regulatory Cost Recovery,” “Network Access,” “Statement Fee.” Many don’t refer to anything specific. Many are pure margin.
Tier inflation
Tiered pricing models downgrade cards from qualified to mid-qualified or non-qualified rates. Most merchants don’t know which cards got downgraded or why. Our AI does.
Interchange padding
Even on interchange-plus pricing, markup hides in the “plus.” We compare your line-item interchange to published Visa and Mastercard rates and flag the spread.
Equipment and compliance markup
Terminal leases at 4-5x retail. Gateway fees stacked on processing fees. PCI non-compliance penalties that often disappear with a single form. We catch each.
Every category. Every line. Every audit. In five minutes.
If we can’t lower your costs, we pay you $500.
Run the audit. If we don’t identify legitimate savings opportunities on your processing costs, we send you $500. No follow-up sales calls. No fine print. We pay because we’re confident: 96% of the merchants we audit are overpaying.