Read a statement before comparing rates

Match the period

Use card sales and fees from the same statement period. Identify refunds, adjustments, and timing differences before doing a comparison.

Group the costs

Separate transaction charges, recurring fees, software, hardware, and unusual items. Keep the same categories when comparing proposals.

Calculate the effective rate

Divide total processing fees by card sales for a broad view. It is a comparison aid, not a replacement for understanding each fee.

Ask for written answers

Request an explanation of unclear charges and the assumptions behind proposed savings. Arrange secure sharing before sending statements with sensitive information.

Keep the conversation grounded.

Merchant education and enquiries handled through Process Rite’s existing form. Availability, pricing, approval, funding, and contract terms require written confirmation. No guaranteed savings.

NJ Attorney General: credit-card surcharge FAQ ↗

Official source for related background. The practical workflow suggestions above are original editorial guidance, not government endorsement.