Upload your merchant statement and get your effective rate, flagged junk fees, and exact savings — instantly.
Upload your merchant statement
Drag and drop your PDF or click to upload
PDF only · Your data is never stored or shared
Upload your statement
Drop the PDF you receive from your processor. We accept any standard merchant statement format.
Review fees and your rate
We extract your total volume, fees paid, and effective rate — the number that actually matters.
See your savings
Compare your rate to market benchmarks and see your monthly savings opportunity at a glance.
Effective rate
Your total fees divided by total volume. This is the single most important number on your statement — and most merchants don't know it.
Suspicious fees
Junk fees, inflated markups, and unnecessary add-ons that inflate your bill without adding value.
Savings opportunity
How much you could save each month by switching to a processor with a competitive rate for your card mix and volume.
© 2026 Vanilla. Built for payment reps and ISOs.
About