Interchange and card-network costs
These costs are generally influenced by card type, transaction method, card mix, and network rules. They are not simply eliminated by changing providers.
Understand what your processing statement is really showing.
A Quintra Payment Review is a plain-English merchant statement analysis that connects pricing, transaction activity, and payment workflow—without assuming that every fee is avoidable or promising a particular result.
Merchant statement analysis
Your statement contains more than one number.
A quoted headline rate rarely explains the full cost of credit card processing. We review the statement line by line, calculate the effective processing rate, and connect the numbers to how the business accepts payments.
Processing volume
Transaction count
Average ticket
Effective processing rate
Card mix and transaction method
Interchange costs
Card-network fees
Processor markup
Monthly and account fees
Per-transaction fees
Gateway or POS-related fees where applicable
Current payment workflow
Cost structure
Separate underlying costs from provider pricing.
Some processing costs come from interchange and the card networks. Others reflect processor markup, monthly or account fees, per-transaction pricing, and gateway or POS-related charges where applicable.
Markup and applicable service fees
This portion can include processor markup and applicable account, transaction, gateway, or technology fees. The review explains how those charges contribute to the effective rate and whether the structure fits the business.
Our philosophyUnderstand first.
Understand first.
Recommend second.
The Payment Review organizes what is happening today, distinguishes unavoidable underlying costs from provider pricing, and identifies what deserves attention. Only then does Quintra discuss possible next steps—and a review never promises savings.
Get the full picture of what you’re really paying for.
Share a few details about your business and current payment environment to begin the conversation.