The Ultimate Merchant Statement Guide

How to read any processing statement, find the markup, and win the account.

Get the statement, run the math, and build a savings story the merchant can verify against their own numbers. 26 pages, straight to what matters in the field.

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1.79% quoted. 3.4% actually paid.

Tiered pricing hides the gap between what merchants think they pay and what they actually pay. This guide shows how to find it on any statement.

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The junk fees most reps never flag

PCI non-compliance fees, monthly minimums, non-qualified surcharges. Find three on a statement and you have a savings story before you've touched the rate.

Read by ISO reps, 1099 agents, and sales managers across North America.

What's inside this download

  • Identify any pricing model in 60 seconds and know what it tells you before you read a single line item
  • Calculate the effective rate, the one number that cuts through every pricing model and ends the 'I already have a great rate' objection
  • Flag junk fees most reps walk past: PCI non-compliance, monthly minimums, downgrade surcharges, and padding dressed up as compliance
  • Know what changed in 2026: Mastercard's new fees, Visa's Level 2 program retirement, and surcharging rules by state

Level up your Onboarding game with Gratify

Everyday we talk to experts in payments, underwriting and merchant onboarding. They share their insights with us, and we want to share them with you.

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