Your statement should help you understand your money. Instead, it often looks like a page of abbreviations followed by a withdrawal. Let’s translate it, starting with the totals and working back to the individual charges.

This is an actual historical statement supplied for this guide, with identifying details removed. Its rates describe this account in January 2025; they are not current Deposyt pricing or a benchmark for every merchant.

1. Start with the numbers that should reconcile

The deposits show $0 in “Discount Paid,” while the final summary shows a separate amount deducted. That presentation is consistent with gross settlement and a separate fee debit, but only the bank records confirm the actual cash movement. Do not subtract the same fee twice. [1]

2. Read the plan summary without mistaking it for the whole bill

“Plan” refers to the card categories shown in the statement’s legend. VS is Visa, VD is Visa Debit, VB is Visa Business; MC, MD and MB are the corresponding Mastercard categories. AM is American Express and DS is Discover. Use the statement’s own legend rather than guessing from a code.

“Disc %” is 0.4000%, not 40%. “Disc P/I” is $0.03 per item on the active plan rows. Here, “discount” is a processing charge—not a discount given to your customer. The plan charge checks out:

The zero-volume DB row has a different displayed percentage but contributes nothing this month. The structure is consistent with separately itemized pricing; the contract is still needed to confirm the arrangement. Neither the $32.07 plan charge nor every dollar outside interchange can automatically be called processor profit. [1]

3. Follow every category into the final deduction

The statement separates the plan charge from the detailed “Fees Due.” Add both once:

$227.45 Fees Due + $32.07 Discount Due = $259.52 Amount Deducted. Using $227.45 alone would understate the billed cost. [1]

Interchange and American Express program fees: $148.97

These rows group transactions into pricing programs. Card type, transaction characteristics and qualification affect the result. Visa distinguishes interchange between financial institutions from the merchant discount paid to the merchant’s provider. [2]

For a concrete example, “VS US REG DB” shows 28 transactions, $1,386.66 in volume, a 0.0500% rate and $0.22 per item. $1,386.66 × 0.05% + 28 × $0.22 = $6.85 when calculated on aggregate volume, while the billed row is $6.90. Transaction-level rounding could explain a difference of this size; the underlying transaction calculation is needed to confirm it.

“MC World Elite Merit1” has nine transactions totaling $1,423.95 and a $37.92 charge. That is one card program’s cost—not the rate on all Mastercard sales. [1]

Authorization fees: $9.80

There are 17 Amex authorizations and 179 V/MC/D authorizations, each billed at $0.05: 196 × $0.05 = $9.80. Authorization activity is not the same as settled sales. Declines, retries or other authorization events are possible explanations for the difference from 125 sales; this statement does not identify the cause. Ask for the event log and billing definition before concluding that transactions were duplicated. [1]

Batch fees: $1.60

The statement bills 32 batches at $0.05 each. A batch is a group submitted for settlement; it is not necessarily one per day. Two batches on a day can therefore be legitimate. Confirm that the batch count matches your actual closing schedule. [1]

Card-brand fees: $30.69

This heading contains network-related labels, assessments, authorization charges and other program charges. Preserve the statement’s classification, but do not assume the heading proves every charge is an unmarked-up network pass-through.

One actionable row is “VS Misuse of Authorization”: 29 items at $0.09, totaling $2.61. Ask which events triggered it and whether authorization, reversal or settlement handling needs attention. The label alone does not identify a software defect.

Some rows cannot be rebuilt from their displayed percentage alone. For example, “MC Digital Enablement Fee” shows $1,632.69 at 0.0200%, which produces about $0.33, while the bill lists $0.86. Ask about applicable minimums, transaction-level calculation and omitted components; this is a reconciliation question, not proof of overbilling. [1]

Other fees: $36.39

Monthly Fee ($10), Monthly Online Access ($5), PCI Program ($5) and Website Monitoring ($15) total $35. Another $1.39 is 139 address-verification items at $0.01 each.

Ask what each service provides, whether it is required under the agreement, and whether you are paying elsewhere for overlapping services. A line labeled “PCI Program” is not evidence by itself that the business has validated PCI compliance. PCI SSC identifies official validation documents and explains that compliance programs are managed by brands and acquirers. [1] [3]

4. Calculate the effective rate—and understand its limits

This is the effective cost visible on this statement. It is not a quoted card rate, a surcharge recommendation or a full profitability measure. Separately billed gateway, software or equipment charges would need to be added to a broader cost review.

The $35 in fixed monthly items alone represents approximately 0.49% of this month’s volume. That explains why a low-volume month can produce a higher effective percentage even when contractual rates have not changed. At the same hypothetical $35 fixed charge and $20,000 volume, that component would be 0.175%; this is arithmetic, not a forecast.

5. Match deposits and read the charts carefully

Pages one and two list the daily deposit groups. Match the settled totals to the processor funding report, then to bank postings, allowing for the actual funding schedule. The statement’s net sales figure is not net profit.

Page four summarizes the card mix and compares monthly sales visually. The pie chart uses rounded percentages; the plan-summary amounts are the better basis for exact analysis. Do not turn bars without numerical labels into supposedly exact historical sales figures. [1]

6. Ask better questions before changing processors

1. What is contractual? Match the rate schedule and each recurring service fee to your signed agreement.
2. What is transactional? Reconcile sales, authorizations, verification requests and batches separately.
3. What needs explanation? Request the detailed calculation for rows that do not reproduce from the displayed inputs.
4. What is missing? Gather separate invoices and bank debits before comparing total cost.
5. What would actually change? Ask for an itemized comparison using the same volume, card mix and services.

A useful review should connect costs to how you accept payments: payment links, recurring billing or other channels. If you are considering Deposyt dual pricing, review customer-facing prices, eligibility and the complete agreement—not just a promise about one fee.

Frequently asked questions

Does “Discount Due” mean I received a discount?

No. On this statement, it is the $32.07 plan charge added to the other fees.

Does a 3.67% effective rate mean I am overpaying?

Not by itself. Volume, card mix, transaction behavior, fixed services and the agreement all matter. This statement does not establish a fair-market comparison.

Did the merchant receive $6,819.58?

That is $7,079.10 less $259.52, a useful arithmetic remainder. The bank record is needed to confirm the timing and amount of actual credits and debits.

Can every fee be removed?

No such conclusion follows from a statement. Some items may be negotiable, some depend on transaction handling, and others reflect network or program costs. Ask for a documented explanation.

Line-by-line fee reference

This table preserves every detailed fee row’s label and billed amount from pages two and three. Explanations decode the labels; they do not certify the charge’s basis or contractual validity. Plan-summary rows are shown in the redacted page-one excerpt. [1]

The redacted statement pages

Merchant identity, address, account identifiers and batch reference numbers have been removed. Amounts and fee descriptions are retained. Click or zoom the images in your browser as needed.

Sources and methodology

1. Anonymized January 2025 merchant processing statement, four pages, supplied by the account holder. Download the redacted statement. Accessed September 22, 2026. All merchant amounts come from this statement; calculations are original analysis. Return to passage 1 Return to passage 2 Return to passage 3 Return to passage 4 Return to passage 5 Return to passage 6 Return to passage 7 Return to passage 8 Return to passage 9 Return to passage 10 Return to passage 11
2. Visa, Credit Card Processing Fees & Interchange Rates. Accessed September 22, 2026. Used for the distinction between interchange and merchant pricing, not for auditing historical rates. Return to passage 1
3. PCI Security Standards Council, Official PCI validation documentation guidance and PCI DSS overview. Accessed September 22, 2026. Return to passage 1

Methodology: transcribed billed totals, checked subtotal arithmetic and calculated the statement-only effective rate. No processing agreement, transaction-level logs or bank statement was supplied. Fee eligibility, historical network pricing and possible savings have not been independently audited. This educational article is not a legal or compliance opinion.