Merchant Statement Analyzer

See every fee on your card statement.

Upload last month's processing statement. Your card sales, total fees and effective rate come first. The full report explains every fee line and what other plans would cost on the same sales.

Analyze a statement How it works

FreeFigures before any contact detailsRun by Tap Simple

Merchant Services
Merchant statement Statement period September 2026 Page 1 of 1
MerchantCorner Coffee Co.
Merchant ID0000 0000 0000
Deposit account···· 0000
Card sales48,210.00
Total fees1,383.56
Amount funded46,826.44

Card summary

Visa24,371.43702 items
Mastercard18,871.43540 items
Discover1,967.1461 items
American Express3,000.0087 items

Fees

DescriptionVolumeRateAmount
Card brand fees
Visa interchange24,371.43various412.18
Visa assessment24,371.430.14%34.12
Mastercard interchange18,871.43various301.27
Mastercard assessment18,871.430.14%26.42
Discover interchange1,967.14various58.40
Amex OptBlue3,000.00various100.75
Network access fees1,3900.00506.95
Processing fees
Discount rate markup48,210.000.770%371.22
Batch fees310.4012.40
Monthly fees
Monthly service fee129.9529.95
Statement fee19.959.95
PCI non-compliance fee119.9519.95
Total fees1,383.56
Please retain this statement for your records. EMS-0000-EX
Fees by layer
Interchange872.60
Network fees67.49
Markup443.47
2.87%

Effective rate · 1,383.56 fees ÷ 48,210.00 card sales

FreeFigures before any contact detailsRun by Tap Simple
How it works

How it works

  1. Upload last month's statement

    The monthly PDF your card processor sends. Drop it in or choose the file.

    Step 1 · Upload
    Drop your statement here or choose a file Your processor's monthly PDF

  2. See your card sales, total fees and effective rate

    These three figures come first, before any contact details are asked for.

    Step 2 · Your figures
    Card sales48,210.00
    Total fees1,383.56
    Effective rate2.87%

    Shown before any contact details

  3. Add your contact details for the full report

    Every fee line explained, and what other plans would cost on the same sales. The report asks for your name, email, mobile number and role.

    Step 3 · Full report

What it reads

Your processor's monthly PDF: card sales, interchange and network fees, the processor's markup and the monthly fees. The guides show where to find it.

Every line on the statement, sorted into its layer

Interchange goes to the bank that issued the card, network fees to the card brands, and markup is what the processor adds. The report names the layer for each line.

Fees by layer
Interchange · 63%872.60
Visa interchange412.18
Mastercard interchange301.27
2 more lines159.15
Network fees · 5%67.49
Visa assessment34.12
2 more lines33.37
Markup · 32%443.47
Discount rate markup371.22
4 more lines72.25
Total fees1,383.56

What other plans would cost on the same sales

The same month priced on other plans, side by side, costs only. Priced on 48,210.00 in card sales and 1,390 items.

Plan comparison
PlanInterchange plus0.20% + 0.10Flat rate2.60% + 0.10
Percentage fees96.421,253.46
Per-item fees139.00139.00
Interchange and network940.09included
Month total1,175.511,392.46

Who runs it, and your statement

Merchant Statement Analyzer is run by Tap Simple, a card payment processing company. You can apply with Tap Simple from your report if you want to; you never have to.

We read the statement you upload to prepare your report; our Privacy Policy says how statements are kept and used.

Operated byTap Simple
ApplyingOptional
Your statementRead to prepare your report

Questions

Is it really free?

Yes. Reading your statement and the full report cost nothing.

Which statements does it read?

The monthly PDF statement your card processor sends. The guides show where to download one from Clover, Square, Stripe, Toast, Fiserv and Worldpay.

What is an effective rate?

Your total card processing fees divided by your total card sales. It is the one number that compares any two pricing plans. The effective rate guide shows the math.

Why does the full report ask for my contact details?

Your card sales, total fees and effective rate come first, with nothing asked. The full report, with every fee line and the other plans, asks for your name, email, mobile number and role.

Do I have to apply with Tap Simple?

No. Merchant Statement Analyzer is run by Tap Simple, a card payment processing company. Applying with Tap Simple is optional; you can do it from your report if you want to.

Guides

All guides

Fundamentals

  1. 01How to Read a Merchant Statement: Every Fee Explained
  2. 02Effective Rate: How to Calculate Your Card Processing Rate
  3. 03Interchange, Assessments and Markup: 3 Layers of Card Fees
  4. 04Credit Card Processing Pricing Models Explained
  5. 05Merchant Statement Fees Glossary: Every Line Item Defined

Processor guides

  1. 06Clover Statement: Where to Find It and How to Read It
  2. 07Square Fees Report: How to Read Your Square Statement
  3. 08Stripe Fees Report and Balance Summary: How to Read Them
  4. 09Toast Processing Statement: How to Read Every Line
  5. 10Fiserv (First Data) Statement: How to Read It
  6. 11Worldpay Statement: How to Find and Read It in iQ

See every fee on last month's statement.

Free. Card sales, total fees and effective rate before any contact details.

Analyze a statement