Industry guide · Rates & Fees

Reduce card processing costs for retail and eCommerce businesses

A quoted rate tells you almost nothing. Your statement tells you what you actually paid, and which part of it anybody could have changed.

Analyze my statement See the money flow

25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Rates & Fees · Retail & eCommerce

See the costs behind the quoted rate.

Your effective processing cost is more than a quoted percentage.

01Upload a recent statement
02Separate pass-through and provider charges
03Compare the effective cost structure

What we review

Practical details. Real context.

Compare effective rates by card and channel.
Identify recurring fees and avoidable downgrades.
Review payment mix, average ticket and volume.
Quantify opportunities only after reviewing actual data.

We review statements, transaction mix, card categories, chargebacks, ancillary fees and possible pricing downgrades. The right benchmark depends on the underlying acquiring program.

Retail & eCommerce workflow

Know the transaction before the rate.

01Sell in store or online
02Authorize the payment
03Fulfill the order
04Reconcile every channel

Documentation checklist

Build a complete submission.

Website, terms and return policy
Volume by channel
Average and largest order
Bank and processing statements

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

Ask Pyper

OMNICHANNEL PAYMENTS

Where the money actually moves

Cost follows structure. In retail & ecommerce the shape of the flow decides most of what you pay, before anyone negotiates a rate.

IN STORE

POS · Tap · Chip

ONLINE

Checkout · Wallets · Fraud Rules

REPEAT

Subscriptions · Card on File

A statement settles it

We read the statement and separate what the card networks set — which nobody discounts — from what your processor charges, which is the part anyone can actually move. Then we tell you which it is, including when the answer is that your current deal is already keen.

Analyze my statement