Unexpected Charges on My Statement | How to Identify

Start with the statement summary

Every processing statement has a Summary page that breaks fees into: discount rate, transaction fees, monthly fees, gateway/PCI fees, and incidentals (chargebacks, retrievals, returns).

Common fees that look "unexpected" but aren't

• PCI Compliance fee — quarterly or annual. Usually $99–$149. Required for all merchants.
• Monthly Minimum fee — if you don't process enough volume, a minimum is charged.
• Statement fee — paper statement, ~$5–$10/mo if not opted to digital.
• Batch fee — $0.05–$0.25 per batch closed.
• Interchange increases — Visa/Mastercard adjust rates twice a year (April + October). Often shows as "Rate Adjustment".

If you see something you don't recognize

Use our Fee Explainer tool to look up any fee code, or open a ticket and we'll walk through your statement line-by-line.