From Audit to Savings in 4 Steps
What actually happens when you submit a PAIR statement review. No jargon, no surprises, just what to expect from start to finish.
Step 1: Upload Your Statement (60 Seconds)
You don’t need to find a specific document or export anything special. A photo of your monthly processing statement is enough, PDF, JPG, or a direct upload all work. The only thing we need is one recent statement from your current processor.
No account required. No commitment. We don’t sell your data.
Step 2: We Decode Every Charge (Within 24 Hours)
Our team reviews your statement line by line. Most merchant statements contain 6–12 different fee categories, interchange, assessments, processor markup, PCI fees, statement fees, batch fees, and more. We map every line to plain English and identify which are unavoidable, which are inflated, and which ones you’re paying that you shouldn’t be at all.
The fees most merchants miss: monthly minimums, PCI non-compliance fees, and “miscellaneous” charges that processors quietly add over time.
Step 3: See Your Benchmark Report
We send you a one-page report in plain English showing:
- Your current effective rate (the one number that matters)
- What merchants at your volume and industry typically pay
- Which specific fees are above market
- Estimated monthly and annual savings if you switch
No jargon. No 40-page PDF. Just the numbers you actually need.
Step 4: Your Choice, No Pressure
If we find savings, we can handle the entire processor switch for you, including contacting your current processor, coordinating the transition, and making sure you don’t lose a day of processing revenue. Savings typically start within the first billing cycle.
If we don’t find meaningful savings, we’ll tell you that too. A PAIR audit is worth doing even if the answer is “you’re already in good shape.”
