Merchant Statement Analyzer

How to Find and Read Your Chase Merchant Services Statement

Find your Chase merchant services statement in Chase Business Online or Resource Online, and read each section, the fee lines and the discount rate.

Where to find your statement Sources listed at the end

Chase sells card processing as Chase Payment Solutions, and the merchant services behind it are provided by Paymentech, LLC or other subsidiaries of JPMorgan Chase Bank. A Chase merchant services statement is a monthly summary you can open in Chase Business Online or Resource Online. This guide follows Chase's own statement help page, which walks through a sample statement section by section.

First, check which Chase account you have

Chase's statement guide is for Merchant Services accounts. Chase notes that if you use the Chase Point of Sale (POS) system, you have a different account type.

For Chase POS and QuickAccept accounts, Chase's help page describes reports instead: from your accounts overview, choose More next to your payment processing account, then See accepted card payments. The Activity menu there switches between Sales, Deposits, Refunds, Disputes, and Fees and adjustments, and each list can be downloaded.

Where to find your statement

Chase says you can get merchant statements by mail, by email or online, and recommends online. Two places hold them:

Chase Business Online

  1. Sign in and choose your account.
  2. Click Statements below your dashboard. You can see up to seven years of statements.
  3. Open or download a statement with the icons on the right, and filter by year with the menu.

Chase says statements are typically generated on the 1st or 2nd of each month.

Resource Online

  1. Sign in and choose Recon Solution.
  2. Click Statements, then View Statements. If you have more than one location, pick the location first.
  3. Choose the month, then click the last day of that month, highlighted in blue, to open the statement.
  4. Use the download button at the top right, next to the printer icon.

Statements older than 18 months are under Archived Statements. Chase also offers daily statements in addition to the monthly one, if you opt in through your statement preferences.

The sections of a Chase statement

Section What it shows
Cover page Your company number, merchant number, business name and statement period, plus service updates
Deposit summary All account activity by card type, including transactions and deposit adjustments
Funding summary Daily deposits, with chargebacks, reversals, adjustments and fees; Amount Transferred under Totals is what reached your bank
Credit card summary Sales and refunds per card type, net sales and average ticket, and a check that your tax information matches IRS records
Chargebacks and reversals Payments taken back after a customer dispute or a bank correction
Pre-disputes Transactions that might become disputes, before money is taken out
Financial adjustments Corrections and adjustments
Charges and fees Every fee for the month, each with its total

The Credit card summary uses two formulas: net sales = sales minus refunds, and average ticket = net sales รท number of items.

Chase also notes that a statement is a summary: individual sales and refunds are not listed, because of size limits, but every transaction is available online.

Reading the charges and fees

Chase groups its fee lines into a few kinds:

  • Interchange fees, set by the card brands such as Visa and Mastercard and paid to the bank that issued the card. Chase notes interchange can change twice a year, in April and October.
  • Assessment fees, set by the card networks and charged as a percentage of the gross transaction amount.
  • Access fees, for online payment gateways or tools, and applied when authorizations or settlements are processed.
  • Monthly fees, for account maintenance or statement delivery.
  • Adjustments, for refunds, chargebacks or system corrections.

Each line shows how it was worked out: a percentage fee from Sales Amount and Rate, a per-item fee from Items and Item Charge.

The discount rate. Chase defines it as the percentage agreed with Chase for processing transactions. It includes an interchange portion paid to the bank that issued the card, and Chase's own revenue.

Card brand fees by name. Chase's help page lists the brand fees you may see in Charges and fees, including Mastercard's Network Access and Brand Usage fee (NABU), Merchant Location Fee and Cross-Border Assessment, Visa's Fixed Acquirer Network Fee (FANF), and Discover's Data Usage fee. Mastercard NABU Fee: Network Access and Brand Usage and Visa Fixed Acquirer Network Fee (FANF): What It Is explain the two most common.

Black and red amounts. In the Financial adjustments and Charges and fees sections, Chase says black means money was taken out for fees or corrections, and red means money was put back in. Elsewhere on the statement, negative amounts are red, in parentheses.

Your pricing plan

Chase says your pricing plan is printed at the bottom left of the statement, and is also in your agreement. The plans it names are Swiped / Keyed (DRSK), Interchange Pass-Through (IPT or IC+), Flat Rate (DNBB) and Tiered pricing, which sorts transactions into qualified, mid-qualified and non-qualified rates. Credit Card Processing Pricing Models Explained explains how each one shows on a statement.

Daily or monthly billing

Chase lets you choose when fees are collected. On its statement help page (checked October 2026), Chase lists the monthly billing fee as 0.03%: with monthly billing you receive the full amount of each day's card payments, and Chase holds back all processing fees until the end of the month. Chase says you can switch to daily billing at no charge.

Working out your effective rate

Take your net sales from the Credit card summary and the total of the Charges and fees section for the same month, divide the fees by the sales, and multiply by 100. The effective rate calculator does the math, and Effective Rate: How to Calculate Your Card Processing Rate explains what the number tells you.

What to check each month

  • Charges and fees: any fee you do not recognize, and whether each matches your agreement.
  • An account minimum fee. Chase says it appears when your business does not reach the minimum agreed, and can show as a monthly service fee, internet service fee or other supplemental charge.
  • Pre-disputes, so you can act before a dispute takes money out.
  • The Funding summary's Amount Transferred against what reached your bank.

FAQ

Why can't I see every sale on my Chase statement?

Chase statements are summaries, so individual sales and refunds are not listed. Every transaction is available online in your Chase account.

How far back can I get Chase merchant statements?

Up to seven years in Chase Business Online. In Resource Online, statements older than 18 months are under Archived Statements.

Where is my pricing plan on a Chase statement?

At the bottom left of the statement, according to Chase. It is also in your agreement.

What does the Chase discount rate include?

The interchange paid to the bank that issued each card and Chase's own revenue, combined into the percentage agreed with Chase.

See every fee on your Chase statement explained

Merchant Statement Analyzer is free. Upload last month's Chase statement to the analyzer and see your effective rate, with every fee line named and explained.

Sources

See it on your own statement

Upload last month's processing statement. Your card sales, total fees and effective rate come first, then a free report that explains every fee line. You can also put your own logo and name on it, free.

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