First audit
Free
Try one statement, with no card or account required.
Merchant statement audit
Understand your card processing costs.
Upload a monthly statement. Get a clear report on your fees, what can be checked, and what to ask your processor.
Your first audit is free. No card or account required. A report can take a few minutes; keep the page open.
Example reportMonthly overview
Net effective rate0.74%
Card volume$256,300
Net fees$1,884.85
Illustrative surcharge statement. The 0.74% rate uses net fees after $3,378 in surcharge revenue was remitted to the merchant. Your own result may differ.
Explore the example →How it works
Three steps. A report you can use.
- 1
Upload a PDF
Use a digital monthly statement from your processor portal.
- 2
We review the costs
SwipeAudit reads supported fees, checks available math and rate references, and flags items to discuss.
- 3
Know what to ask
Get a report with findings, explanations, and questions for your processor.
Clear answers, including the limits
Sometimes $0.00 is the right answer.
A zero computed discrepancy means no overcharge was found in the lines we could directly check. Some statements leave out the detail needed to verify a rate or calculate an effective rate. When that happens, the report explains what is missing and gives you useful questions instead of a guessed dollar amount.
What we can check →Straightforward pricing
Start free. Pay only when you need more.
Single audit
$49
One additional statement audit, with no subscription.
Monitoring
$99 / month
Up to 3 successful audits per billing period. Each report is independent; automatic month-to-month comparisons are not included.
Before you upload
Use a digital PDF from your processor.
Some multi-location, bundled, and mixed-period statements receive a limited review. If fees and volume cannot be reconciled, we withhold the effective rate and computed dollar claims. Scans, photos, and detected non-USD or cross-border fees are outside the supported scope. Check coverage