Ambition
koen
SwipeBackCard fees Audit

Find what your card processor overcharges — and ask for it back.

US independent restaurants lose money to opaque card processing statements.

Estimated overpayment per yearSample: Taqueria · Sep statement
$16,190

ACME Merchant Services is keeping about $1,349.17 a month above a fair markup.

Who
Maria, owner of a 40-seat taqueria in Austin, ~$80k/month in card sales.
Where money leaks
The monthly processor statement: 6 pages, 40 fee lines, nobody reads it.
Market
~600k independent US restaurants × typical $3–6k/yr markup overcharge.

Try it with a real document

Presets:

How we got the number

Rule Engine
Card volume
$81,240.00
Fees charged4.40% effective rate
$3,576.40
Pass-through cost (interchange + network)Not negotiable
$1,710.71
Fair processor markup0.30% + $0.08 / txn benchmark
$516.52
Overpaid this month
$1,349.17

ACME Merchant Services is keeping about $1,349.17 a month above a fair markup.

Ready to send
Open in email
ToACME Merchant Services merchant services
SubjectRate review request — La Esquina Taqueria
GistAsk the processor to lower its markup and remove PCI non-compliance and statement fees.· Written in the recipient's language
Hello,

I reviewed our 2026-09 statement. We processed $81,240.00 across 3410 transactions and paid $3,576.40 in fees.

Interchange and network fees for that volume come to about $1,710.71. Everything above that is your markup, which is well above the 0.30% + $0.08 per transaction we see from competing interchange-plus offers.

Please move our account to interchange-plus pricing at that markup, and remove the PCI non-compliance and statement fees. If we cannot agree within 14 days, we will move processing to another provider.

Thank you,
La Esquina Taqueria