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Walk through a real statement analysis — from upload to merchant proposal in 5 steps.

1
Upload
2
Analyzing
3
Results
4
Proposal
5
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app.ratesidekick.com
Statement Analyzer
Know Exactly What Your Prospect Pays
Upload any merchant PDF statement. RateSidekick identifies pricing model, markup, junk fees, and effective rate in ~20 seconds.
📄
Drop your statement PDF here
or click to browse files
⚡ Results in ~20 sec 🔍 Full fee breakdown 📄 Any processor
Recent Analyses
Acme Hardware
Mar 15 · Score: 28
Blue Ridge Café
Mar 14 · Score: 61
Summit Contracting
Mar 12 · Score: 19
🔍
RateSidekick is on it...
Analyzing merchant_statement.pdf
✓ Statement uploaded & parsed
✓ Pricing model identified: IC+
⟳ Calculating processor markup...
○ Identifying junk fees
○ Generating analysis report
Analysis Complete
ABC Business — John Smith
Just sent statement — cold
Savings Opportunity
$564/mo
$6,768/year est.
Monthly Volume
$45,664
Fees Paid/Mo
$2,011
Effective Rate
4.40%
Junk Fees/Mo
$47.45
💡 Agent Insight
Markup is 0.71% — well above the 0.20% benchmark. Easy conversation: show them IC+ at your rate and the math does the work. Lead with the $47.45 in junk fees as your opening hook.
Fee Breakdown — Use junk fees as your opening hook
REGULATORY COMPLIANCE FEE
Vague regulatory fee — pure processor profit
$2.50Junk Fee
PCIPINVALIDATION
Excessive PCI fee — should be max $15/mo
$29.95Junk Fee
ONLINE REPORTING ACCESS
Charging to log in — this is free everywhere else
$5.00Junk Fee
Pricing Options — Select what to include in the proposal
IC+ Pricing
Include
Monthly Savings
$564/mo
Proposed Rate
~3.17%
No change for customers. Merchant pays lower rate to processor. Best for B2B.
Dual Pricing
Include
Monthly Savings
$2,011/mo
Merchant Pays
$0.00
Surcharge rate: %
Share:
Prepared for
ABC Business — John Smith
March 17, 2026
Payment Processing Proposal
Here's What We Can Save You
Two options — review both and choose what works best for your business.
IC+ Savings
$564/mo
Dual Pricing
$2,011/mo
Monthly Volume
$45,664
Current Rate
4.40%
Option 1 — IC+ Pricing
ItemCurrentProposedSavings
Pricing ModelIC+IC+ (Transparent)Full Transparency
Processor Markup0.71%0.25%Reduced
Effective Rate4.40%~3.17%−1.23%
Monthly Fees$2,011~$1,448$564/mo
Junk Fees$47.45$0.00Eliminated
* Savings estimates based on submitted statement data and IC+ benchmarks.
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