Think Your Processing Statement Doesn't Make Sense? You're right. They designed it that way.
Upload your statement for a free, line-by-line breakdown that exposes every inflated charge, every junk fee, and exactly how much you’re overpaying.
Most results delivered within 1-2 hours.
No credit card required. AES-256 encryption. 
No obligation. Yours to keep, no strings attached.
Why merchants overpay
Bank statements are built to disclose. Processing statements are built to confuse.
Here’s how they do it.
Padding Disguised as "Mandatory" Fees
Processors inflate interchange and assessment rates set by Visa, Mastercard, and American Express, then label them as fixed. They’re not. The difference goes straight into their pocket.
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.
Your bank statements must follow federal disclosure rules. Your processing statements don’t. That’s how processors pile markup on pass-through costs and negotiable fees until overpaying looks normal, and how Hidden Fees stay hidden.
We built TruePayUSA to expose them!
“Approximately 80% of firms experience payments-related challenges, the most common of which is fees associated with payments processing.”
Federal Reserve Banks, 2024 Report on Payments
What your free analysis reveals
Here is exactly what you will see in your free analysis.
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
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 results
Receive a clear, plain-English report within 1-2 hours. It’s yours to keep whether you work with us or not.
This is not a generic quote. Every analysis is built line by line from your actual statement, your real fees, your real rates. It is free, and the report is yours to keep. There are no strings attached.
Your data is protected
We take security seriously. Most statements don’t contain sensitive data, but we treat every one as if they do.
Encrypted at rest
Your statement is encrypted with AES-256 the moment it reaches our servers and stays encrypted while stored.
Encrypted in transit
Your upload is protected with TLS 1.3 while traveling between your browser and our platform.
Certified platform
Your statement is handled on a SOC 2 Type II certified platform, independently audited for security and privacy.
Your data, your control
Your statement is held only as long as needed under our privacy policy and applicable law. Request deletion any time.
AES 256
ENCRYPTED
TLS 1.3
SECURED
SOC 2 TYPE II
PLATFORM
via Zoho
DATA
DELETION
We started TruePayUSA after years inside a large corporate processor. Before payments, we ran restaurants. We know how processing fees cut into tight margins because we lived it. We earn residuals, not commissions. That means we only make money when your rates stay low and you stay with us. Your free analysis is how we prove that.
Find out what you're really paying.
Upload your statement. Get a clear analysis. See your savings.
No credit card required. AES-256 encryption.