Upload one processing statement. We will show you, in plain English, exactly where your money is going. Free, no obligation. And if your pricing is fair, we will tell you that too.
No sales call required. A real person checks every number.
The payments industry profits when you cannot read your own bill. Statements are built to be skimmed, signed, and forgotten.
Padded surcharges. Monthly minimums. "Non-qualified" rates nobody can explain. Line items that exist because nobody asks.
We put your statement in plain English. What you paid, what a fair price looks like, and the difference. That is the whole pitch.
Enter three numbers and see a rough monthly comparison in seconds. It is directional, not a promise. The real analysis needs a statement.
Total card sales you process in a typical month, in dollars.
Total monthly fees divided by card volume. Not sure? Many small businesses land near 3%. Your statement has the real figure.
Used to estimate your per-transaction costs. A guess is fine.
Fill in your numbers and the comparison updates as you type.
Confirm With My Statement →Ballpark only. Your true card cost depends on your card mix, so this estimate uses a conservative benchmark on purpose. The statement analysis replaces guesses with your actual numbers, checked by a person.
Grab last month's processing statement. A PDF works. So do phone photos of the paper pages. Takes two minutes.
We go line by line. Every rate, every surcharge, every junk fee. Then a real person at CMF checks every number before anything reaches you.
A one-page report in plain English. What you paid, your true effective rate, what fair pricing looks like, and a real savings number.
None of this is illegal. Most of it is standard practice. All of it depends on you not looking closely.
You were quoted a low rate. It applies to almost nothing. Most of your transactions get downgraded to higher "tiers" with names nobody explains. The quote looked great. The bill does not.
Take your total fees. Divide by your total card volume. That is your effective rate. Owners quoted 1.6% routinely discover they pay 3% or more. The gap is the whole business model.
PCI non-compliance fees. Batch fees. Statement fees. Vague "regulatory" line items. These are not card costs. They are manufactured charges that exist because most owners never ask.
A terminal that wholesales for a few hundred dollars gets leased at $40 to $50 a month, for years, on a contract you cannot cancel. Add an early termination fee and the exit is padlocked too.
A buried clause lets your pricing get "adjusted" over time. No signature, no heads-up, just a slightly bigger bill each year. They are counting on you not noticing.
Pages of line items, in abbreviations used nowhere else on earth. That is not an accident. The harder your bill is to read, the easier it is to pad.
Sunlight fixes all six. Upload your statement and we will show you which ones are on yours.
Check My Statement →CMF is a veteran-founded, independent shop. We built our name helping families make clear financial decisions. Our payments desk runs on the same principle: show people the real numbers and let them decide.
Then we will say so, in writing. Some merchants are priced fairly. When that is true, your analysis says exactly that, you keep the report for your records, and we shake hands and part friends.
No manufactured urgency. No invented savings. An overstated number would cost us the only thing this desk runs on: trust.
Fill in the basics, attach your most recent processing statement, and we will take it from there. PDFs or phone photos both work.
Either we find real money, or we confirm your pricing is fair and you get that in writing. Both outcomes are worth two minutes.
Get My Free Statement Analysis →