How we check rates and explain uncertainty
A published rate only helps when the statement gives enough detail to identify the exact program and calculation. We show what we can check and say when the evidence stops.
Official sources and a reviewed catalog
SwipeAudit tracks official Visa and Mastercard interchange schedules and monitors other relevant first-party sources. Its reconciled catalog currently holds 317 Visa and 239 Mastercard program rows. These are reference rows, not a claim that every statement line qualifies for an exact match.
Source fingerprints flag changes for review. A changed advisory or source is not silently substituted into customer comparisons; approved comparison schedules remain in use until reconciled. The report states the source status available when it was generated.
SwipeAudit does not claim an exact published-network comparison for Discover or for programs without an approved match. American Express OptBlue pricing also depends on the provider and agreement.
What the labels mean
Computed discrepancy: a billed amount exceeds an applicable, directly checkable formula. It is not automatically proof that a refund is due.
Possible opportunity: a conditional area to explore; any savings depend on details beyond the statement.
Worth asking about: a charge or detail that needs explanation. Its listed amount is a charge, not a savings estimate.
These categories are never added together. When we cannot establish an exact match, we ask for a breakdown instead of guessing a rate.
Independent and self-serve
Customers pay SwipeAudit’s published flat prices. We do not receive processor referral fees or a share of any negotiated savings. A useful result may be a clear explanation with $0.00 computed discrepancies.
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.
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