Current statement breakdown
Pulls out processing volume, transaction count, total fees, effective rate, authorization fees, batch fees, statement fees, PCI fees, downgrade charges, and other recurring processor charges.
Instant merchant statement breakdown
Upload a processing statement. See what the merchant may be overpaying.
Ten Funding’s Merchant Statement Analyzer turns a confusing processor statement into a clear merchant savings report. It separates true interchange cost, processor markup, mid-qualified and non-qualified downgrades, statement fees, per-item fees, and surcharge opportunities, then compares the current processor against two stronger options: no-fee surcharge-style processing and interchange-plus pricing at true cost plus 0.25% and $0.10 per item.
Current effective rate
Interchange breakdown
Mid/non-qualified fees
Monthly savings
Live savings preview
Statement Analyzer
Current processor3.82%effective rate example
No-fee surcharge option$0merchant processing cost target*
Interchange-plus option+0.25%plus $0.10 per item
*Eligibility, rules, debit handling, state restrictions, card network rules, and program approval apply.
What the tool sells for you
A merchant does not need another pitch. They need to see the math.
The page is designed to show the merchant exactly where money is going today, what may be true interchange cost, what may be processor markup, and how much could be saved with Ten Funding’s processing options.
Interchange cost view
Separates true cost items such as interchange and card-brand assessments from processor markup, discount fees, mid-qualified, non-qualified, downgrades, and other added costs.
Side-by-side offer comparison
Shows current processor vs. no-fee surcharge-style processing vs. interchange-plus true cost plus 0.25% and $0.10 per transaction.
Merchant-ready savings story
Turns the statement into monthly and annual savings so the merchant can understand why switching makes sense.
Upload and compare
Instant Merchant Statement Analyzer
Upload a merchant statement and get a merchant-friendly fee breakdown. The analyzer estimates volume, transactions, total fees, interchange, assessments, qualified, mid-qualified, non-qualified, downgrades, authorization costs, batch/statement fees, PCI fees, and processor markup. The instant report then shows how much the merchant may save with either no-fee surcharge-style processing or interchange-plus 0.25% plus $0.10 per item.
Built for conversion: merchants hate hidden fees, daily payment pressure, and confusing processor statements. This tool gives them a clean reason to upload the statement, see the math, and request a verified proposal.
AI-assisted extraction: When deployed with a secure server key, the analyzer can use AI to map messy statement lines into interchange, assessments, downgrades, processor markup, and estimated savings.
No-fee surcharge option
Interchange-plus 0.25%
$0.10 per item pricing
Monthly/annual savings
Upload merchant statement
PDF, CSV, or TXT. Text-based PDFs are analyzed instantly. Scanned/image PDFs can still be submitted for a full review.
No file selected yet.AI parser runs through a secure server function when OPENAI_API_KEY is set in Netlify.Statement will not parse? Paste statement text instead
Confirm detected numbersEditable estimate fields
Side-by-side savings report
Show the merchant the current cost, the no-fee option, and the transparent interchange-plus option.
These numbers are estimates until a full processor review and compliance check is completed, but the side-by-side report gives the merchant a clear reason to continue: current cost, surcharge savings potential, and a transparent non-surcharge interchange-plus option.
What they pay now
$0
Effective rate0.00%
Estimated markup above true cost$0
Mid/non-qualified charges found$0
No-fee surcharge program
$0
Estimated monthly savings$0
Estimated annual savings$0
Customer surcharge rate shown3.50%
Interchange-plus pricing
$0
Pricing formulaTrue cost + 0.25% + $0.10/item
Estimated monthly savings$0
Estimated annual savings$0
Detected statement breakdown
The analyzer looks for interchange, card brand assessments, qualified rates, mid-qualified charges, non-qualified charges, downgrades, discount fees, per-item fees, batch fees, PCI fees, statement fees, and other monthly fees.
Why this converts
Merchants already know card fees are painful. The analyzer proves there may be a better path.
Instead of asking a merchant to believe a rate quote, show them three clean options: what they are paying now, what a no-fee surcharge program may look like, and what transparent interchange-plus pricing may look like if they do not want surcharge.
No-fee processing target
For eligible surcharge-style programs, the merchant may offset card fees instead of absorbing them on every sale.
Transparent markup option
If they do not want surcharge, show true interchange plus 25 basis points and $0.10 per item.
POS system options
Qualified merchants can review free POS hardware and plug-and-play equipment setup.
Full processing review
Turn the instant estimate into a real merchant savings proposal.
Have the merchant submit the statement with contact details so a specialist can verify the pricing, confirm surcharge eligibility, review debit handling, explain compliance, and show the best available processing option.
Statement reviewCurrent fees and markups reviewed.
No-fee pathSurcharge-style programs reviewed where available.
Interchange-plus pathTrue cost plus 0.25% and $0.10 per item.