Stratamize POS and payments

PROCESSING STATEMENT REVIEW

Turn the statement into a number you can question.

Start with total processing cost divided by total card volume, then inspect which card mix, per-item, monthly, pass-through, and incidental fees shaped the result.

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MERCHANT OPERATING LAYER POS+PAYMENTS+SETUP Configured around the business that has to run it.

Evaluation checklist

Read the whole period, not one line

A fair review uses the same volume, transaction count, acceptance methods, and included services.

  1. 01

    Find total card volume

    Use the processed sales volume for the statement period and note refunds or adjustments.

  2. 02

    Find total processing cost

    Include discount, interchange or pass-through, per-item, monthly, PCI, equipment, and incidental charges that apply.

  3. 03

    Calculate effective cost

    Divide total processing cost by total card volume and multiply by 100 for an effective percentage.

  4. 04

    Compare like for like

    Match card mix, ticket, transaction count, hardware, funding, support, contract, and included services before drawing a conclusion.

What to question

Separate expected cost from avoidable friction

Not every fee is improper, and a lower-looking rate is not always a lower total cost.

01

Pricing model

Interchange, tiers, or flat rate

Understand how card type and transaction qualification affect the markup you pay.

02

Fixed charges

Monthly and per-item fees

A small per-transaction fee matters differently at a $12 ticket than at a $120 ticket.

03

Incidental terms

PCI, equipment, retrieval, and contract items

Review the written service terms, not just the sales summary.

STRAIGHT ANSWERS

Statement review questions

Should I post my statement in a Facebook group?

No. Statements can contain sensitive business and account information. Use an approved secure channel after confirming who will access the file and how it will be retained.

Does a lower effective rate prove the new offer is better?

No. Compare the same volume and card mix, plus hardware, software, contract, support, funding, integrations, and incidental terms.

Can Stratamize guarantee savings?

No. We can explain observed costs and compare available written terms after reviewing the real processing pattern.