Free statement audit
Find out what taking cards really costs you.
One place for the whole chain, from your statement to an introduction. Tell us about your business and, if you like, add a processing statement. Our software reads it, a person on our team checks every figure, and you get your true effective rate, the fees worth questioning, and desk-reviewed matches from our partner network. Choose a partner and we make the introduction.
- Free. No card needed.
- Encrypted in transit and at rest
- A person checks every audit
- Approval is the processor's decision
Example audit
- Effective rate
- 2.90%
- Monthly fees
- $2,378
- Fees worth questioning
- $912 a year
- Ties to printed total
- $0.00 off
Illustrative figures from a demo statement.
How it works
Four steps, one person checking
- 1
Tell us about your business
About two minutes: what you sell, roughly how much you process, and how you take payments.
- 2
Add statements if you want
Optionally, 1-3 months of processing statements (not bank statements). Without them, we match you on your answers alone.
- 3
Our desk reviews your audit
Software reads the statement; a person checks every figure, usually within one business day.
- 4
Compare and choose
See the partners that fit, scored on approval fit, speed and service, and on price where a partner has quoted. Pick one and they contact you.
Both sides
Good for your business, and for the partner you choose
For your business
Your true rate, from a statement a person has checked, and matches that consider businesses like yours. No partner gets your name or contact details, or contacts you, until you choose one and agree.
For the partner you choose
A merchant who chose them and agreed to share: your business profile and, if you added a statement, the audit our desk confirmed, in one referral packet. The partner runs its own underwriting and decides approval and pricing.
Your true effective rate
All fees divided by card volume, with every figure tied to the page it came from.
Fees worth questioning
We flag common junk fees, like PCI non-compliance or statement fees, with what each costs you a year.
Matches that fit
Processors that consider businesses like yours. Approval is the processor's decision.
Questions
Before you start
Is the audit free?
Yes. There is no charge and no card to enter.
What do you need from me?
Answers about your business, and optionally 1-3 months of processing statements. We never ask for bank statements, IDs or voided checks; the processor you choose collects what it needs at sign-up.
Who sees my statements?
Our desk. A partner sees your business profile and audit summary only after you choose that partner and agree to share.
Will I be approved?
Approval and final pricing are decided by the processor after its own underwriting. We match you with partners that consider businesses like yours.
How do you use AI?
We use Anthropic's Claude to read statements. A person on our team checks every audit before you see it.
How does Approvia make money?
Partners may pay us a referral fee when a merchant we refer opens an account. It is never an input to the score.