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Audit every fee. Understand every cost. Improve every account
Understand your processing costs and what to do next. Swipesum Audit, formerly Staitment, analyzes merchant statements to identify processor markups, interchange downgrades, and pricing inconsistencies. Standalone Audit is $13 per statement. When evaluating your payment setup, you can also request a free expert statement review from our payments team.
Understand what you’re actually paying
Swipesum Audit organizes statement fees and compares processing costs to help teams investigate pricing and billing issues.
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Find hidden costs and inconsistencies
Identify hidden fees, pricing inconsistencies, and unexpected charges across your statements, with full transparency into where your money is going.
PROCESSOR MARKUPS
Separate provider markup from pass-through costs and compare it with agreed pricing.
Processor Pricing
Markup:
1.92%
Annual Impact:
$14K
NETWORK FEES
Review card-network assessments and other network charges against applicable terms.
Network Compliance
Network Fees:
18%
Invalid Mappings:
17
INTERCHANGE FEES
Identify interchange categories and downgrades that may warrant further review.
Interchange Audit
Interchange Rate:
1.78%
Potential Savings:
$3.2k
NON-CONTRACTED FEES
Flag charges that may not match the fees or terms in your agreement.
Contract Compliance
Unexpected Fees:
1.24%
Annual Impact:
+$2,840
EFFECTIVE RATE DRIFT
Track cost changes and distinguish pricing changes from shifts in payment activity.
Rate Monitoring
Effective Rate:
2.41% → 2.87%
Rate Increase:
+0.46 pp
HIDDEN FEES
Surface duplicate or unclear charges for review with your provider.
Billing Audit
Hidden Charges:
12
Potential Savings:
$4.8k
Negotiated pricing only matters if it shows up on your statement
Swipesum Audit compares billed pricing with expected or negotiated terms so teams can spot markup drift, pass-through differences, and fees that do not match the agreement.
Track rate changes and investigate what caused them.
+0.30 pp vs start
Track rate changes and investigate what caused them.
Rate change
Basis-point change
Trend
From upload to actionable insights
UPLOAD
Upload your processing statement securely.
Parse
Swipesum Audit analyzes and structures the statement data.
Audit
Fees, rates, and anomalies are identified.
Compare
Compare processing costs and pricing across accounts or proposals.
Insights
Get clear recommendations and findings.
Built for ongoing audits. Not just one-time analysis.
Swipesum Audit supports recurring statement reviews across merchants, portfolios, and accounts, helping sales, finance, and operations teams track pricing, fees, and optimization opportunities.
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Audit results in the real world
See how Swipesum used location-level payment analysis to identify $86.6K+ in monthly savings opportunities across the FASTSIGNS franchise network.
Caleres enterprise payment optimization
What can an enterprise retail payment audit uncover?
~$1.6M
modeled annual opportunity
Case Study
FASTSIGNS franchise payments rollout
How do you scale integrated payments across a franchise system without losing local adoption?
350+
locations analyzed
Case Study
Plumbers Supply B2B payment optimization
How can B2B distributors lower commercial-card processing costs?
$10K+
annual payment savings
Case Study
Upload your statement and see what you’re paying
Get a detailed audit of your processing costs and uncover opportunities to reduce fees.
Start with a free expert statement review
Evaluating your payment setup? Upload a statement for a free expert review. For standalone Audit at $13 per statement, talk with our team.
Request a Statement Audit
What you can do with Swipesum Audit
Swipesum Audit provides statement analysis, processing-cost comparisons, account review, fee visibility, and optimization monitoring across merchants and portfolios.
AUDIT STATEMENTS
Analyze uploaded statements and identify pricing inconsistencies, markups, and hidden fees.
24 fee categories analyzed
COMPARE COSTS
Compare rates, fees, and processing costs across providers, accounts, and portfolios.
Benchmark variance detected
IDENTIFY HIDDEN FEES
Detect non-contracted charges, billing inconsistencies, and unexpected processing costs.
12 hidden charges found
BENCHMARK PRICING
Benchmark pricing against expected processor, interchange, and network fee structures.
0.28% above benchmark
GENERATE REPORTS
Generate audit summaries and optimization reports for teams and stakeholders.
Weekly recurring reports
SUPPORT SALES TEAMS
Help sales teams identify savings opportunities and strengthen pricing conversations.
Potential savings: $14k
MONITOR ACCOUNTS
Track recurring audits, account changes, and ongoing pricing behavior over time.
38 monitored accounts
OPTIMIZE PORTFOLIOS
Monitor portfolios and identify optimization opportunities across multiple merchants.
Portfolio variance reduced