Independent retailers are overpaying by $1,890/year on processing. We find every dollar.
On a 2%-margin independent retailer, half a percentage point of processing markup is 25% of your net profit, every year, forever. Bundled pricing is designed to hide where the markup lives. Our audit unbundles it.
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- Report in 24-48 hours
What we find auditing retail.
- $1,890
Median annual overcharge across audited retailers
- 15 to 35%
Typical overpayment range, retail verticals
- 0.4 to 0.8 ppt
Bundled-pricing markup hiding inside the headline rate
- 4 minutes
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How it shows up in independent retail
Four overcharge patterns we find on nearly every retail statement. The bundled rate quoted at signup is rarely the rate the merchant ends up paying. The audit unbundles it.
- 01
What does 'bundled pricing' actually mean for my statement?
Bundled pricing quotes a single rate (e.g., 2.4%) that combines actual interchange, set by Visa and Mastercard and not negotiable, with the processor's markup. The merchant cannot see what portion is interchange and what is margin. Independent retailers paying 2.4% bundled often have 0.4 to 0.8 percentage points of pure markup hiding inside.
- 02
Why am I paying a gateway fee on top of processing?
Gateway fees, typically $10 to $25 per month, are charged for the technical pipe that routes transactions. Many merchants pay both a processor fee and a separate gateway fee for what is effectively the same service. The audit flags overlap and benchmarks against bundled-gateway pricing options.
- 03
What's the monthly minimum and is it costing me?
Monthly minimums require a floor of processing volume each month, regardless of actual sales. Slow months get charged the minimum (typically $25 to $50) on top of normal fees. Seasonal retailers and lower-volume locations get hit hardest. The fee shows up labeled vaguely on the statement, not as a minimum.
- 04
I have a 'free terminal' lease. Is it actually free?
Free-terminal offers usually pair a no-up-front-cost terminal with a 36 to 60 month lease at $39 to $99 per month. Over the term, the merchant pays $1,400 to $5,940 for hardware that retails for $250 to $400. The lease is buried on the statement. The audit surfaces the cumulative cost.
Audit findings across retailers.
Three illustrative composite audits drawn from the structural patterns we surface in this vertical. Specific savings figures reflect the median range of recoverable processing overcharges.
- Austin TXIndependent home goods store$28,000/month
Bundled qualified-rate hiding $0.60/transaction markup: $268/mo
$3,216Saved annually - Charleston SCApparel boutique$14,000/month
Free-terminal lease at $79/mo on a 48-month contract
$1,420Saved annually - Portland ORMulti-location bookstore (3 locations)$22,000/month
Monthly minimums charged across 5 slow months: $135/mo cumulative
$2,180Saved annually
Illustrative composite. Drawn from structural patterns Payzium audits surface. Not a real customer case.
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Upload your most recent processing statement. We read every line, benchmark you against retailers we have audited, and send a written report by email. If we cannot lower your costs, we pay you $500.
Three steps. Roughly four minutes total.
- Step 1
Upload your statement
PDF, PNG, or JPG. Most merchants take less than 2 minutes.
- Step 2
Tell us about your business
60 seconds. Business name, role, monthly volume range, contact info.
- Step 3
Get your written report
24-48 hours. Delivered by email. Yours regardless of whether you switch.
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