ERPSav

Sample report · Card Fee Recovery

$6,210.30 expected back from a 8-row sample

This is ERPSav's own engine run on the sample file. The figures come from sample data, not from a customer.
Rows read
8
Cases opened
2
Money at risk
$11,709.60

Cases

  • Main St Cafe · Square-like Processor — $7,779/yr in excess feesSquare-like Processor

    $3,791.98of $7,778.76 at risk

    • warningEffective rate is 3.77% against a fair 2.60% for US, 1.17% too high. Excess of $478.33/month, valued over 12 months.
    • warningA PCI fee averages $29.95/month across 4 statement(s). Removing it saves $359.40 over 12 months.
    • warningA statement fee averages $9.95/month across 4 statement(s). Removing it saves $119.40 over 12 months.
    • warningA batch fee averages $15.00/month across 4 statement(s). Removing it saves $180.00 over 12 months.
    • warningAn annual fee of $99.00 is charged. Counted once per year, not monthly; removing it saves $99.00 over 12 months.
    • warningA monthly minimum fee averages $25.00/month across 4 statement(s). Removing it saves $300.00 over 12 months.
    • warningOn tiered pricing, 20.12% of volume is billed at non-qualified rates. A 1.00% surcharge on $8,175.00/month of that volume is $81.75/month, valued over 12 months.

  • Harbor Books · Legacy Acquirer Bank — $3,931/yr in excess feesLegacy Acquirer Bank

    $2,418.32of $3,930.84 at risk

    • warningProcessor markup averages $606.67/month over the latest 3 month(s) against a fair $309.00 (0.25% + $0.10 per transaction). Excess of $297.67/month, valued over 12 months.
    • warningA PCI fee averages $19.95/month across 4 statement(s). Removing it saves $239.40 over 12 months.
    • warningA statement fee averages $9.95/month across 4 statement(s). Removing it saves $119.40 over 12 months.
    • infoMarkup rose from 0.75% of volume in 2026-07 to 1.11% in 2026-10 (+0.36%). Excess of $227.50/month, valued over 12 months.

The letter drafted for the largest case

Subject: Request to review card processing fees - Main St Cafe

Dear Square-like Processor merchant services team,

I am writing on behalf of Main St Cafe about the card processing fees on our merchant account. We reviewed 4 monthly statement(s) and would like to ask for a change to how the account is priced.

We request that you:
1. Remove the following fees from the account:
   - PCI fee
   - Statement fee
   - Batch fee
   - Annual fee
   - Monthly minimum fee
2. Reprice the account to interchange-plus, with a processor markup of 0.25% plus $0.10 per transaction over interchange and scheme assessments, passed through at cost.

Estimated effect, based on average monthly figures from the statements reviewed:

Item                             Current / month  Proposed / month
-------------------------------  ---------------  ----------------
Processing fees (all-in)               $1,540.00         $1,061.67
PCI fee                                   $29.95             $0.00
Statement fee                              $9.95             $0.00
Batch fee                                 $15.00             $0.00
Annual fee (monthly equivalent)            $8.25             $0.00
Monthly minimum fee                       $25.00             $0.00
Non-qualified downgrades                  $81.75             $0.00
Total monthly processing cost          $1,530.00           $881.77

Over 12 months this is approximately $7,778.76 ($648.23 per month). Please confirm in writing the effective date of the changes and the new pricing schedule, and let us know if any of the fees above are required under our agreement so we can review the relevant terms.

Thank you for your help. I look forward to your reply.

Kind regards,
Sample Company Inc.
2026-11-06

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