See what you're actually paying in processing fees
Upload a recent merchant statement and PayHero will break down your effective rate, fee breakdown, and potential savings.
Prefer not to upload? You can still estimate manually.
PDFs, screenshots, and iPhone photos supported. Reviewed by underwriting.
Analyzed
statement_apr.pdf
How it works
From statement to savings report in minutes.
Upload a PDF or photo. We extract your volume, processor fees, and effective rate, then compare against transparent interchange-plus benchmarks.
01Upload your latest statement
PDFs, screenshots, iPhone photos — all supported.
02See your effective rate and fee breakdown
We parse interchange, card-network fees, and processor markup — then surface avoidable line items.
03Choose a clearer pricing path
Interchange-plus with a fixed disclosed margin, or a compliant cash-discount setup.
Effective rate
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PayHero benchmark
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Estimated annual savings
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Monthly fees · You vs. PayHero
Who we serve
Built for card-heavy businesses where small rate differences become real money.
Restaurants, retail shops, contractors, auto shops, medical offices, salons, and ecommerce businesses often process enough monthly volume for processor markup and avoidable fees to matter.
Pricing
Two clear options. Pick what fits.
No tiered pricing games. No good/better/best. Just transparent merchant-first economics.
Transparent Pricing
Interchange-Plus
Pay card-network costs as pass-through, plus PayHero's fixed disclosed margin.
- Pass-through interchange + network fees
- Fixed PAYHERO margin disclosed up front
- Same statement every month — no surprises
- Best for established businesses that want clarity
Reduce Fees
Cash Discount / Dual Pricing
Use a compliant cash discount or dual-pricing setup to offset most card-processing costs.
- Show two prices — cash vs. card — at checkout
- Eliminate most of your processing bill
- Fully compliant with card brand rules
- Best for high-volume merchants tired of fees
Security & onboarding
Enterprise-grade by default
Statements and onboarding documents are handled through secure upload flows and used only for analysis, underwriting, and account setup.
- End-to-end encrypted
- Reviewed by underwriting
- PCI-aligned handling
FEIN
Your federal Employer Identification Number — used to verify the business entity.
Government-issued ID
Driver's license or passport for the principal owner.
Voided business check
Confirms the bank account where your deposits will be funded.
Underwriting review
A real underwriter reviews every application within 1–3 business days.
Find out in 60 seconds.
Upload a recent statement or get a quick estimate. No commitment, no sales call.
PDFs, screenshots, and iPhone photos supported.