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How to Read Your Merchant Statement (And What You Are Probably Overpaying)

7 Jan 2026 · 8 min read

A plain-English guide to understanding your card processing bill and how to tell if you are being overcharged.

Your merchant statement is deliberately confusing. This guide shows you how to read it line by line.

The lines that matter

Total card turnover, blended rate, monthly rental, authorisation fees, PCI fees and any 'non-qualified' or 'higher-rate' transactions.

What to do next

Send your statement to Jamie for a same-day analysis, no obligation.

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