See what a SwipeAudit report looks like
This shortened example is adapted from a fictional, single-merchant test statement. It shows the kind of explanation you receive; your results depend on your own statement.
At a glance
The example includes $3,378.00 in surcharge revenue remitted to the merchant. That credit affects the net rate; compare it only with other rates calculated on the same basis.
$0.00 computed discrepancies. No billed line in this example was shown to exceed an independently checkable formula. That does not certify every fee or mean the statement has no negotiable charges.
Five items worth asking about. They are statement charges to explain, not estimated savings or money owed.
Two example questions
Visa and Mastercard assessments
The report does not assume a network assessment percentage that SwipeAudit has not established for these lines.
“Which exact network assessment and volume basis produced each charge? Is any processor markup included?”
Discount Rate — $1,050.83
This processor-controlled markup is about 0.41% of the volume shown. That is the amount billed, not an estimate of savings or evidence of an error.
“Does this markup match my written agreement? Could you provide a written interchange-plus quote for comparison?”
Why a zero can be the right answer
The example also lists a monthly statement fee and PCI compliance fee for contract review. Their stated amounts are not automatically discrepancies. SwipeAudit keeps computed discrepancies, possible opportunities and questions separate.
This excerpt is illustrative; it is not a complete customer report, a processor quote, or a claim that all statements will produce these findings.
Check your own statement
The free preliminary PDF check tells you whether a known unsupported format is detected. It does not use an audit credit or promise that every line can be analyzed.
Audit a statement