Your statement is written to be confusing.
A statement audit separates network costs, processor markup, recurring charges, and other fees, then applies the findings to realistic alternatives.
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.
What to send
Use one recent complete merchant-processing statement. The secure form below confirms the request only after the document reaches private storage and the intake record is accepted.
Calculate the true effective rate
The review starts with processed card volume and every processing-related charge for the same period. Hardware, software, financing, and other operating costs outside the statement are listed separately.
Classify every charge
Network and interchange costs, processor markup, recurring account charges, exception fees, equipment, and software are separated so the merchant can see which party controls each amount.
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.
Before you send it.
Re-run the same operating month
Comparable options should use the same volume, ticket count, card mix, channels, locations, hardware, software, and support scope. Otherwise the quote is describing a different business.
What you receive
Derived will explain the effective rate, recurring charges, pricing structure, contract questions, and comparable configurations without requiring a switch.
- Current-cost summary with stated assumptions
- Questions or charges that require provider clarification
- Comparable stay, renegotiate, or switch scenarios
You decide what happens next
The useful outcome may be a new system, a processor change, a renegotiation, or confirmation that the existing setup is already competitive. The analysis should remain useful either way.
Private document handling
The form sends the statement directly to private document storage through a short-lived upload authorization. If the intake cannot confirm acceptance, nothing on the page claims the request was received; call 801-441-2563 instead.
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.