Payment resources for owner-run local businesses

Merchant Statement Decoder

Calculate your all-in effective processing rate, monthly and annual cost, cost per transaction, profit impact, fixed fees, and proposal difference.

Get a free three-statement audit

Decode the whole processing bill

Enter settled card volume and every processing charge from the same statement period. The tool returns the all-in effective rate, monthly and annual cost, cost per transaction, fixed fees, volume-linked charges, and the share of the profit margin entered.

Compare a written proposal

Enter the proposed merchant credit rate, remaining monthly fees, debit share, average ticket, and debit cost per transaction. The comparison keeps the costs that a 0% credit-card rate does not remove.

Keep your statement private

The calculator runs in the browser. BlueFinch does not receive the numbers entered. A downloadable report records the math and the questions to ask any processor.

Get a free three-statement audit

BlueFinch will calculate the effective rate, separate fixed and volume-linked charges, and show every cost that remains in a proposal.

Get the free audit