FinalPOS Protect · Free AI statement analysis

What does your payment processor really charge you?

Answer three quick questions for an instant benchmark, then upload a statement and watch the AI expose every hidden fee — in about a minute.

Free, instant, no sign-up. Benchmarks come from real anonymized processing data.

Every fee, itemized

Our AI reads your PDF line by line — no fee hides in the fine print.

Interchange vs. markup

See what the card networks truly cost vs. what your processor keeps.

Your real savings

Exactly what you'd pay on transparent IC++ pricing — or near zero with surcharging.

Your exit rights (Canada)

Fee increase on your statement? Canada's Code of Conduct may let you leave penalty-free — we compute the deadline.

How the statement analyzer works

1

Answer three quick questions

Industry, location and monthly card volume — enough for an instant benchmark of what businesses like yours pay.

2

Upload your statement

Any PDF processing statement works. It's stored privately, used only to build your report, and never shared.

3

The AI itemizes every fee

Each line is extracted and classified, then true interchange — the card networks' cost — is split from your processor's markup.

4

Get your report

Your effective rate, a 0–100 rate score, projected savings on interchange-plus pricing or with surcharging, and (in Canada) your Code of Conduct exit deadline.

Works with statements from every major processor

Upload a PDF statement from any of these — or almost anyone else — and get the same fee-by-fee breakdown.

  • Moneris
  • Clover
  • Fiserv / First Data
  • Global Payments
  • Chase Payment Solutions
  • Elavon
  • TD Merchant Solutions
  • Desjardins
  • Square
  • Stripe
  • Lightspeed Payments
  • Helcim
  • Toast
  • Chase Paymentech
  • Worldpay
  • Heartland
  • TSYS

What do businesses like yours actually pay?

Real effective rates by industry and province, aggregated from anonymized statements analyzed by this tool — updated as new statements come in.

Browse average processing rates

Frequently asked questions

What is an effective rate?

Your effective rate is everything you paid your processor in a month divided by your card volume that month. It's the only number that captures every hidden fee — most Canadian small businesses land between roughly 2.1% and 2.9%, but many pay more without knowing it.

What's the difference between interchange and processor markup?

Interchange is the wholesale cost of accepting a card — set by the networks (Visa, Mastercard) and paid to the card-issuing bank. It's the same for every processor. Everything above interchange and network assessments is your processor's markup, and that's the only part you can negotiate. The analyzer splits the two so you can see exactly what your processor keeps.

Which processors' statements can I upload?

Any PDF processing statement. The analyzer reads statements from Moneris, Clover, Fiserv / First Data, Global Payments, Chase, Elavon, TD Merchant Solutions, Desjardins, Square, Stripe, Lightspeed Payments, Helcim, Toast, Worldpay and most other processors in Canada, the US and beyond.

Is the statement analysis really free?

Yes. The analysis is free, takes about a minute, and doesn't require a sign-up or credit card. We're FinalPOS — we sell point-of-sale and transparent payment processing in Canada — and the analyzer is how we show our math up front.

What is the Code of Conduct 70-day rule?

The Code of Conduct for the Payment Card Industry in Canada requires processors to give notice before increasing fees, and gives merchants a window to exit their contract without penalty after a fee increase. If your statement shows a fee-change notice, the analyzer computes your penalty-free exit deadline. This is informational, not legal advice.

What happens to my uploaded statement?

Statements are stored privately, used only to produce your report, and never shared or sold. Your report lives at an unguessable link that only you receive, and report pages are excluded from search engines.

Reports are estimates based on the statement you upload, published interchange tables and anonymized benchmarks; your contract governs your actual pricing. Statements are stored privately, used only to produce your report, and never shared. The Code of Conduct for the Payment Card Industry in Canada gives merchants specific rights when fees change — the deadline we compute is informational, not legal advice.