See what you are paying to accept cards.
Derived calculates the effective rate, identifies recurring and processor-controlled charges, and explains the assumptions behind every comparison.
What we find on a page like that.
A useful review turns vague line items into costs, responsible parties, and questions that can be answered in writing.
Effective rate
Divide every processing-related charge for the period by the card volume from that same period.
Processor-controlled charges
Separate processor markup and account charges from card-network and issuing-bank costs.
Recurring account fees
Identify monthly and annual charges, normalize them to one period, and note what triggers each one.
Equipment and software
List hardware ownership, leases, software modules, gateways, warranties, and replacement obligations separately.
Contract questions
Read the term, renewal, cancellation, data-access, and equipment-return language behind the statement.
Comparable scenarios
Reprice the same volume, ticket count, channels, locations, hardware, software, and support scope.
How the audit works.
Results begin with your numbers
An audit uses the merchant’s actual statement period and does not present sample savings or a promotional rate as if it were the merchant’s result.
Line-by-line explanation
The review distinguishes underlying card-network costs from processor markup and other monthly or transaction charges.
Send us one recent statement.
Upload one recent statement through the private intake, then tell us what you want reviewed. Your request is confirmed only after the file and contact details are durably accepted.
Find out what you’re actually paying.
Start with what you know. Derived can identify the missing questions without pretending a form has already been accepted.