ebb Logistics
EngagementWe separate interchange and network fees from the processor charges you may be able to negotiate.

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Merchant credit card processing review

We review merchant processing statements to explain your actual fees and identify processor charges worth negotiating.

Free contract reviewTalk it through first
0 partsInterchange, assessments, processor margin
FixedInterchange, and only interchange
EffectiveRate, the number that actually matters
Same logicAs reading a carrier agreement
In shortA brief explanation of the service and what it covers.

What is credit card processing?

The short answer

A merchant processing review breaks a card processing statement into its three parts: interchange set by the card networks, network assessments, and the processor’s own margin. Interchange is not negotiable, but the margin above it is, and bundled or tiered pricing often hides it. Separating the three shows exactly what can be negotiated and how much it is worth.

Merchant processing statement review and rate negotiation.

The problemThe terms and billing details we review before estimating savings.

Understand your total payment processing cost.

A quoted processing rate may cover only some transactions or fees. The monthly statement shows the fuller cost of accepting card payments.

We separate interchange, network assessments and processor margin where the records allow it. We also calculate the effective rate: total fees divided by transaction volume.

This review is separate from our logistics services. It uses the same approach of comparing billed charges with the agreement and identifying terms worth negotiating.

Why usWe work for shippers and receive no compensation from carriers.

What makes this different.

01

Fees broken down by type

We separate interchange, assessments and processor margin so you can see which costs may be negotiable.

02

Offers compared by total cost

We calculate total fees as a share of transaction volume to compare your actual cost with alternative offers.

03

Independent processor review

We receive no residual payments or referral fees from processors. Our review focuses on your costs and requirements.

Why this orderWe review your agreement and shipment data before recommending changes.

How this actually runs.

  1. Audit the statement

    We separate interchange, assessments and processor margin, then calculate total fees as a share of transaction volume.

    Week 1

  2. Negotiate the margin

    We focus the negotiation on processor fees and margin rather than network-set interchange rates.

    Weeks 2–3

  3. Verify the next statement

    We compare the next statement with the agreed pricing and follow up on discrepancies.

    Week 4
Common questionsContact us if your question is not listed. We can help you assess whether the service fits your needs.

Questions shippers ask first.

What is our effective processing rate and how do we calculate it?
Divide total monthly processing fees by total card transaction volume for the same month. This effective rate includes interchange, assessments, processor margin and transaction fees, making it useful for comparing total costs.
Can interchange fees be negotiated?
No. Interchange is set by the card networks and is the same for every processor. Anyone claiming to negotiate interchange down is describing something else, usually interchange optimization, which means qualifying transactions into lower categories through better data submission. The processor margin above interchange is where genuine negotiation happens.
What is interchange-plus pricing and should we be on it?
Interchange-plus pricing shows interchange separately from the processor's markup. This makes it easier to see the processor charges and compare offers.
Why does a logistics consultancy review merchant processing?
We apply the same contract-review approach used in logistics: separate the fees, compare billed charges with the agreement and identify terms worth negotiating. Merchant processing is offered as a separate service.
Next doorThese related services may also be useful for your business.

Related work.

01

Finance automation

We automate how parcel and freight invoices are captured, coded and allocated, and ebb Logic™ checks the charges against your agreement before anyone approves payment.

For finance teams processing invoices by hand02

Parcel audit

A parcel invoice audit checks for billing errors and contract compliance. ebb Logic™ reviews service failures, duplicates, address corrections and surcharges, then checks each charge against your discounts, tiers, minimums and accessorial terms. It runs every week, so problems are caught soon after they begin.

For shippers who want their invoices checked against their carrier agreement03

Contract negotiation

We review twelve months of your shipping invoices and compare your contract terms with those available to similar shippers. This parcel rate benchmarking helps us identify changes worth requesting. We then negotiate directly with your carrier.

For shippers reviewing or renewing carrier agreements

Request a free contract review.

Send your agreement for a written review of potential savings and recommended next steps.

Get a free savings estimateSee a sample audit firstEmail [email protected]

Or call 888-356-4421

Free, and no obligation. A written evaluation back inside 48 hours. No fee unless we find documented savings. How we handle your documents

  • Your current agreement, any carrier
  • One recent invoice, if you have one
  • A written evaluation back inside 48 hours