Find Out What You're Really Paying
Upload your processing statement and we'll deliver a side-by-side comparison showing exactly where you're overpaying — and what better options actually look like.
Upload My Statement →A straightforward four-step process
No endless sales pitch. No mystery. Just a clear analysis of what you're paying now versus what better options actually look like.
6 things you'll know after we review your statement
After 20 years reviewing statements across Upstate SC and Western NC, we've never done a review where the merchant walked away without learning something that saved them money. Here's what you'll have after ours.
What your current statement doesn't tell you
Most processing statements are designed to be skimmed, not understood. A UMA rate analysis breaks it all apart — so you see exactly what you're paying and why.
| What We Look At | Your Current Statement | UMA Rate Analysis |
|---|---|---|
| Real effective rate | Not shown — you calculate it yourself | Calculated and explained clearly |
| Card-type breakdown | Lumped under "qualified / non-qualified" | Itemized per card category |
| Markup vs. interchange | Markup hidden inside the headline rate | Markup pulled out and exposed |
| Junk & regulatory fees | Buried in middle pages | Flagged with plain-language explanations |
| Side-by-side projection | None offered | What our programs would cost on same volume |
| Cash Discount / Dual Pricing option | Not discussed | Presented if it fits your business |
STATEMENT UPLOAD FORM
Secure · Confidential · No obligation
Rate analysis — answered
Is this really free? What's the catch?
No catch. The rate analysis costs nothing and there's no obligation to switch. We do this because most businesses are overpaying and don't know it — and showing them the math is how we earn the right to a real conversation. If your current processor is genuinely giving you the best deal, you'll have proof of that too.
How long does the analysis take?
Most reviews are completed within one business day after you submit your statement. If your statement is complex or involves multiple locations, it may take slightly longer. We'll reach out as soon as the analysis is ready.
What documents do I need to send?
Your most recent complete processing statement — all pages, including the sections that show interchange categories, fees, and totals. If you have separate gateway, software, terminal lease, or PCI compliance fees billed elsewhere, including those helps us give you the most accurate picture.
Do I need to switch processors if you find savings?
No. The analysis is yours to keep and use however you want — switch to UMA, use it as leverage with your current processor, or just be informed the next time your rates "adjust." There's no contract, no pressure, and no follow-up calls if you say you're not interested.
What if my current processor matches your offer once I show them?
That happens sometimes — and honestly, that's still a win. If your current processor suddenly finds room to lower your rate after seeing our proposal, you got the savings you should have been getting all along. Either way, you come out ahead.
I have paper statements — can I still submit?
Absolutely. Just text clear photos of your statement pages to Derek at 248-310-9566. Most business owners find this faster than scanning. Include all pages that show fees, rates, and totals.
Nobody regrets knowing what they're really paying.
Send your statement — get clarity within one business day. Most businesses we review find real savings.
Some are shocked by how much they were overpaying.