Everything here is free, runs in your browser or lands in your inbox, and asks for nothing but an email when you want a specialist to follow up. No statements are uploaded anywhere on this site — ever.
Two numbers from any statement — total volume and total fees — and you get your true effective rate with a plain-English verdict, adjusted for your kind of business.
Tick the fee names you see on your statement and get an instant read on which lines are worth questioning — inflated, duplicated, or misbilled charges — right in your browser. Nothing you tick leaves your device.
What is a "NABU fee"? An "APF"? A plain-English glossary of the line items on card statements — which ones the card brands set, which ones your processor sets, and which ones deserve a question.
The one-page checklist of what to have ready before an audit — so the specialist call is short and useful. The checklist is free; the audit is free; neither obligates you to switch anything.
Announced pricing changes from the big processors — what changed, when it lands on statements, and what to check on yours. A fee-change notice is the best moment to look at your numbers.
See exactly what a finished audit looks like — a fictional café, invented figures, real format — before you ever request one. The report is yours to keep whether you switch or not.
Run a bookkeeping, consulting, or small-business site? Embed the free calculator for your readers with one snippet. It is a calculator, not an ad — and Processing Signal is not a processor.
Start with just your email. A specialist works from your actual statement — sent by you directly through a secure channel, never through this website — and shows your true effective rate in plain English.