Source: https://bluefinchadvisors.com/quick-quote

Payment resources for owner-run local businesses

# Free merchant statement analysis

See what you could keep from the same sales. Upload a processing statement or take a photo, check the figures we read and compare your full monthly cost with a BlueFinch estimate.

[Get a free three-statement audit](<https://bluefinchadvisors.com/schedule?source=static-hero>)

## What your statement analysis includes

The analysis separates percentage charges, transaction fees and other monthly costs. Check your business name, settled card volume and every fee. You can correct the figures, print the comparison or save it for your records.

## After you add a statement

Your browser reads the document on this device. BlueFinch receives a copy of each statement and quote so an advisor can follow up. Add up to three PDF, JPG or PNG statements to compare representative months. The result is an estimate, not an approved account offer.

## Read up to three statements in your browser

Upload PDF, JPG, or PNG statements. Your browser reads them on your device. BlueFinch Advisors receives a copy of the statements and quote by email so an advisor can follow up.

## Calculate the complete effective rate

The quote includes processed card volume, processing charges, transaction charges and other monthly account fees. If you upload multiple statements, it averages the detected months before calculating your current effective rate and annualized difference.

## Review every detected figure

Statement labels and layouts vary. Check the detected figures before relying on the estimate. This is an estimate, not a final quote or a promise of savings.

## Useful next steps and sources.

- [Merchant statement decoder](<https://bluefinchadvisors.com/tools/merchant-statement-decoder>)

Use settled card volume and all fees from the same statement period.

- [BlueFinch costs and account charges](<https://bluefinchadvisors.com/what-bluefinch-costs>)

See which costs must be confirmed in a complete written proposal.

### Primary references

- [Visa: cash discounts and card-acceptance rules](<https://www.visa.com/en-us/support/visa-rules>)

Visa permits a cash discount as a reduction from the standard price. Its surcharge rules are a separate program; your acquirer agreement and local requirements also apply.

- [Mastercard: credit-card surcharge rules](<https://www.mastercard.com/us/en/business/support/merchant-surcharge-rules.html>)

Mastercard distinguishes credit-card surcharges from debit and prepaid transactions. Do not treat a surcharge and a posted cash/card price program as interchangeable.

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