Keep your processor.
Slash your fees.
Most businesses overpay on processing by 15–40% and never renegotiate. Upload any statement, see exactly where the money goes, and get it back. No switching. No disruption. No upfront cost.
The savings hide in plain sight.
Merchant statements obscure the real cost of acceptance behind hundreds of line items, surcharges, and non-qualified buckets. ISOs lose deals because they can't analyze a competitor's statement on the spot, and merchants overpay for years without realizing.
> U.S. merchants overpay on processing by 15–40% and never renegotiate.
How RatesNegotiator fixes it
Upload any processor statement (PDF, CSV, image). The system OCRs it, identifies interchange downgrades, excessive markups, junk fees, and non-qualified surcharges, then produces a plain-English savings report with a target rate. Three tiers: a quick first-pass analysis, a self-serve Playbook with negotiation scripts, and a fully done-for-you Negotiate-For-You service.
Everything you need to stop overpaying.
Universal statement parser
Drag-and-drop upload handles PDF, scanned image, or CSV from any processor — traditional ISO/MSP statements, aggregators, and everything in between.
Line-item fee breakdown
Names every downgrade and junk fee, separates true interchange from processor padding, and flags PCI fees that shouldn't be there.
Target rate model
Calculates a plain-English savings figure and target effective rate based on MCC, ticket size, card mix, and monthly volume — not a generic guess.
Negotiation script generator
Auto-generates the email or call script that wins the deal, with the specific savings numbers baked in and a tone calibrated to the merchant's situation.
Negotiate-For-You service
Done-for-you tier: we run the entire renegotiation on behalf of the merchant, from statement analysis to the signed agreement.
From signup to value in minutes.
Upload statement
Drop a PDF, image, or CSV. Any processor, any format.
AI extraction
OCR + LLM parse every line item, normalize across processors.
Benchmark & model
Compare against live interchange tables and compute target rate.
Get the pitch
Receive a savings breakdown and a ready-to-send negotiation script.
No upfront cost.
No off-the-shelf price tag. What you pay depends on your volume and whether you want self-serve analysis or a fully done-for-you negotiation. Book a demo and we'll tailor a quote to your book.
REQUEST_A_QUOTEThe timing
Processing costs are at record highs and statements are more opaque than ever, so overpayment hides in plain sight. With AI doing the line-item analysis in seconds, there's no reason to keep guessing at a fair rate — every month you wait is margin you don't get back.
Upload a statement. See exactly what you're overpaying.
Drop your most recent processing statement. Our AI flags hidden fees, downgrades, padding, and non-qualified surcharges — then sends you a plain-English breakdown with a target rate.
- ▸PDF or statement photo — any processor
- ▸Results in under 24 hours
- ▸No obligation. No sales pitch.
- ▸Encrypted in transit. Deleted after analysis.
- ▸If we negotiate for you, you pay only out of dollars we find.
Common questions.
Does it work with handwritten or scanned statements?+
Yes. The OCR pipeline handles low-quality scans, faxed pages, and photos taken on a phone.
Can ISOs white-label the output?+
Yes. Branded PDF exports and shareable links are available on the agency tier.
What about Square, Stripe, and PayPal?+
Supported. Aggregator statements are normalized into the same effective-rate model used for traditional ISO/MSP statements.
How are uploaded statements secured?+
Statements are encrypted in transit and at rest, processed in an isolated pipeline, and never used to train models. You can purge uploads at any time.
How is pricing quoted?+
Pricing is tailored to your statement volume and workflow. Book a demo and we'll scope a quote for your team.
Stop guessing. Start saving.
Head to RATESNEGOTIATOR.COM to try it yourself — or book a demo and we'll walk you through it.