Last updated: October 12, 2026
Everything on this site — guides, calculator results, and audit summaries — is general educational information about payment processing costs. It is not financial, legal, or tax advice, and it is not a quote, offer, or contract.
Worked examples use clearly-labeled assumed or typical figures. Your actual costs depend on your real statements, card mix, volume, ticket size, and risk profile. An audit reports what your statement shows; it cannot promise savings, a specific rate, or account approval. Processing accounts are subject to underwriting by the processing company, which makes its own decisions.
Processor pricing referenced here (for example, published flat rates) is cited as published by the processor at the time of writing and may change at any time. Check the processor's own pricing page for current rates. Interchange and card-brand fees are set by the card networks and change on their schedules, typically twice a year.
Square, Stripe, Visa, Mastercard, and all other processor and card-brand names mentioned are trademarks of their respective owners. They are used here only to identify the products being discussed (nominative use). Processing Signal is not affiliated with, sponsored by, or endorsed by any of them.
Processing Signal introduces merchants to an independent processing specialist and earns a share of revenue if a merchant chooses to switch. The audit itself is free, and merchants receive their findings whether or not they switch. This disclosure also appears on our About page and near the audit form.
When this site describes fee practices (inflated, duplicated, or misbilled charges), it describes patterns merchants can check for on their own statements. It does not accuse any specific company of misconduct. If you believe a statement example here resembles your own, the audit will work from your actual numbers — not from anything published on this site.