You're probably overpaying for credit card processing!

Most businesses overpay without realizing it. A free, secure analysis shows exactly what you are paying, uncovers hidden fees, and identifies where costs can be reduced. Businesses that do save an average around 25%.

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Bank-level encryption. No credit card required.

Most results delivered within 1-2 hours.

Why merchants overpay

These are the most common tactics used to inflate your processing costs

Padding disguised as mandatory fees

Processors add extra margin to interchange and assessment fees, making them appear non-negotiable when they’re actually inflated.

Misqualified transactions

Transactions are downgraded to higher-cost categories unnecessarily, costing you more per swipe without clear justification.

Vague or bundled line items

Statements use confusing terms like “discount rate” or “service fee” that combine multiple charges and hide the true markup.

Businesses save an average of around 25% once they see what’s actually on their statement.

Getting Started

What your free analysis reveals

We provide a comprehensive breakdown of your processing costs with clear, actionable insights

Every fee on your statement explained in plain English

Hidden markup your processor added to non-negotiable rates

Transactions charged at the wrong rate and what they should be

Junk fees you’re paying that serve no purpose

Your true effective rate vs. what you’re being told

Exact dollar savings: monthly, annual, and 3-year

Upload your statement

Results delivered within 1-2 hours • No credit card required

How It Works

Three Steps. Five Minutes. Zero Obligation.

Upload your statement

Share your most recent processing statement
through our secure portal. Takes 60 seconds.

We analyze every line

Our team breaks down your fees, identifies
overcharges, and calculates your real savings.

Get your resuls

Receive a clear, pain-English report within 48
hours, It’s yours to keep whether you work with us or not.

Your data is protected

We take security seriously. Your statement contains sensitive business data, and we treat it that way.

End-to-end encryption

AES-256 encryption at rest and TLS 1.3 in transit. Same standards used by major financial institutions.

Limited access

Your statement is reviewed by our analysis team only. Never outsourced. Never shared.

Delete anytime

Request deletion of your documents at any time.
We honor all requests within 24 hours.

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“We built TruePay USA because we saw too many businesses get taken advantage of by an industry designed to confuse them. Your analysis is reviewed by real people who know this industry inside and out. If we don’t find savings, we’ll tell you. That’s the whole point”.

– The TruePay USA Team

Find out what you're really paying.

Upload your statement. Get a clear breakdown. See your savings.

Get My Free Analysis

Bank-level encryption. No credit card required.