Instrument · Fig 2.0

The Statement X-Ray

Every card processing statement hides one number your processor hopes you never compute: your effective rate — every fee of every kind, divided by the sales those fees were charged on. Two figures from one statement give you that number. Type them below.

Nothing leaves this page. This tool runs entirely in your browser. There is no upload, no account, and no storage: reload the page and your figures are gone. You do not have to take our word for it — open your browser's network inspector and watch: typing here sends nothing, anywhere.

FIG 2.0 — EFFECTIVE RATE These figures cover Total card sales in that period ($) Total processing fees in the same period ($) — every fee line, added up Number of transactions (optional)

Your effective rateTotal fees ÷ total card sales. The single number a statement is designed to keep you from seeing.	—
Fees per $1,000 of card sales	—
Average fee per transaction	—
Fees at this pace, per year	—

Want someone to check whether this is too high? Start with one look: nothing upfront, and if no saving is verified, you pay nothing.

How to find the two figures. On most statements, card sales appear as total volume or total submitted amount, and fees appear as a total charges or total fees line for the period — or as fee lines you add together. Use the same period for both. If a figure covers a different period, the rate will be wrong, and no tool can fix that from here.

What this does not do. This tool does arithmetic only. It does not read or parse statement files (version 1 is manual entry, and says so), it holds no rate tables, and it makes no claim about what your rate should be. Whether your rate is reasonable depends on your mix of cards, tickets, and contract. That is the kind of question a one look is built to examine on your own numbers.

Indicative only. Figures are computed from what you type, in your browser, and are not verified by Marshall & Co. Nothing on this page is financial advice.