Free statement audit

See exactly what you pay to get paid. Free, in 24 hours.

Send one processing statement. A real person on our Brandon team marks every fee line by line: what’s fair, what’s junk, and what’s padded. If your current deal is good, we’ll tell you that too.

  • No cost, no obligation, no hard sell
  • Reviewed by a person, not software
  • Your answer in writing within 24 hours

Start your free audit

Tell us where to send your results. After you submit, email us your statement or text a photo of it.

Prefer email? Send it to info@championpayments.com
Rather talk? (800) 962-5908 — a person answers.
How the audit works

Three steps. One of them is yours.

1

Send one statement

Last month’s processing statement. Snap a photo or forward the PDF. It takes about two minutes.

2

We audit it, line by line

Within 24 hours, a real person marks every fee: what’s legitimate, what’s junk, and what’s padded.

3

You get an honest answer

If we can save you money, you’ll see exactly how much, in writing. If your deal is good, we’ll say so.

What we look for

The fees that hide in plain sight

Most statements bury the real cost across a dozen line items. These are the ones we check on every audit.

Markup

Your real effective rate

Total fees divided by total card sales. It’s the one number that tells you what processing actually costs you.

Padding

Inflated “interchange”

Some processors quietly add to card-network costs that should pass through at cost.

Junk

PCI non-compliance fees

Monthly penalties that often disappear once a short compliance questionnaire is filed.

Junk

Statement, batch and “regulatory” fees

Small recurring charges with official-sounding names that add up over a year.

Contract

Early termination terms

Send your agreement too and we’ll tell you the real cost of leaving next to the real savings.

Hardware

Equipment leases

Leased terminals can cost several times their purchase price. We’ll flag it if yours is one of them.

What you get back

A plain-English answer, not a sales pitch

Your audit comes back as a marked-up statement and a short summary: what you’re paying now, what’s avoidable, and what the same volume would cost with us.

If switching doesn’t make sense, because your rates are fair or your contract makes leaving expensive, we’ll tell you that and you keep the audit.

Get my free audit →
MERCHANT STATEMENTSAMPLE
CARD SALES (212 TXN)$48,310.00
INTERCHANGE — PASS-THRU$841.22
PCI NON-COMPLIANCE FEE$39.95JUNK
BATCH SETTLEMENT FEES$24.60JUNK
RATE PADDING (+0.30%)$148.00PADDED
REMOVABLE THIS MONTH$212.55

Illustrative sample — your audit uses your real statement.

Before you send it

Questions owners ask us first

Is it really free? +
Yes. There’s no fee for the audit and no obligation to switch. Most owners use it simply to find out whether they’re overpaying.
Which statement should I send? +
Your most recent full month from your current processor. It’s usually a PDF in your processor’s online portal or a paper statement in the mail. All pages, please — the fees are often on page two or three.
What do you do with my information? +
We use it only to prepare your audit and contact you about the results. You can black out account numbers before sending; we don’t need them to review your fees.
I’m in a contract. Is there any point? +
Often, yes. Send the agreement along with the statement and we’ll tell you the real exit cost next to the real savings. Sometimes the honest answer is “wait a few months.” We’ll say that.
What if you can’t beat my current rate? +
Then we’ll tell you, and you’ll know your deal is fair. That’s a useful answer too.
Free statement audit

One statement. One day. One honest answer.

Send last month’s processing statement and get a line-by-line review back within 24 hours.

Start my free audit → Prefer to talk? (800) 962-5908 — yes, a person answers.