Find Out What Your Payment Processor Is Really Costing You
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Get Your Free Payment Review
Enter your information below and Champion Payments will review your current processing setup for hidden fees, possible savings, and better payment options.
How The Free Review Works
Simple, fast, and built for busy business owners who want to know if they’re overpaying.
Send Your Statement
Upload or send your latest merchant processing statement so we can review your current rates and fees.
We Analyze The Fees
We break down the real cost of your processing, including hidden fees, markups, and contract terms.
You Get Clear Options
We show you what you’re paying now, what could improve, and whether switching makes financial sense.
Before You Request A Review
Here’s what most business owners want to know before asking us to review their payment processing.
What do I need to send?
In most cases, your most recent merchant processing statement is enough to get started. That statement usually shows your card volume, transaction fees, monthly fees, processor markup, card brand fees, and other line items that affect what you are actually paying.
If you also have a POS agreement, equipment lease, recent processor quote, or contract, you can send that too. Those documents help us understand the full picture, but they are not required for the first review.
Is the review really free?
Yes. The review is free, and there is no obligation to switch processors, buy equipment, or change your current setup. The goal is to show you what you are really paying and whether your current pricing appears fair for your business.
If we find areas where you may be overpaying, we’ll explain them clearly. If your current setup already looks strong, we’ll tell you that too. The review is meant to give you clarity before you make any payment or POS decision.
Do I have to switch processors?
No. You do not have to switch anything to get the review. Many business owners are not ready to switch, and that is completely fine. The first step is simply understanding your current numbers.
Sometimes the best recommendation is to stay where you are. Other times, there may be hidden fees, confusing pricing, outdated equipment, contract issues, or a better option available. Either way, you’ll have a clearer picture before making a decision.
Who is this for?
This review is built for business owners who accept card payments and want a plain-English breakdown of their current processing costs. It is especially useful for restaurants, retail stores, service businesses, medical offices, salons, spas, auto repair shops, contractors, and other local businesses.
It is also helpful if you use systems like Toast, Clover, Square, Stripe, bank merchant services, or another payment processor and you want to understand whether your total cost still makes sense for your current volume.
What exactly are you looking for?
We look at your effective rate, monthly fees, processor markup, statement fees, PCI fees, batch fees, equipment charges, gateway fees, non-qualified fees, and any other line items that may be affecting your total cost.
We are not just looking at the quoted rate. A lot of business owners are told one rate but end up paying something different once all fees are included. The review helps you see the real number.
How long does the review take?
Once we have your statement, the initial review is usually straightforward. The timing depends on the complexity of your statement and whether you send additional agreements or POS details.
The goal is to keep the process simple. You send the statement, we review the numbers, and then we walk you through what we found in plain English.
See What Your Current Processor Is Really Costing You
Get a simple review of your merchant statement and see whether Champion Payments can help reduce unnecessary fees.