1st Bankcard Services

Statement analyzer

See exactly what you are overpaying.

Your effective rate is two numbers wearing one mask: the card's real cost, and your processor's cut. Send your last statement and a specialist pulls them apart, so you see the markup next to a flat dime, and exactly where you could lower your credit card processing fees. If your rate is already strong, we tell you to stay.

Drop your statement here

PDF, or a photo or screenshot from your phone

Your statement is processed in memory and never written to disk or stored. A specialist reads it and sends your breakdown, then it is gone.

What you get back

Example teardownEstimate

$80,000 / mo · 1,600 transactions

Your rate now

2.95%

Interchange + a dime

2.15%

card cost
What you pay now$2,360 / mo
With interchange + a dime$1,720 / mo

Left of the line is interchange, the card cost no one avoids. The solid block to the right is the markup. That is the only thing that changes.


You would save about

$640 every month

$7,680/yr

Nothing stored

We process your file in memory and never write it to disk or store it. A specialist reads it to build your breakdown, then it is gone.

Exact or estimate, labeled

If your statement itemizes interchange, your result is exact. If it hides interchange, we estimate and show the assumption. We never fake precision.

Honest when you win

If interchange plus a dime would cost you more, we say so plainly and tell you to stay. Our one other charge is a yearly PCI compliance fee, shown in writing before you sign. Your rate can still drift elsewhere later, and ours cannot.