Four steps to a payment stack that stops overcharging you.
Most merchants overpay on card processing and never see it — the fees hide in dense monthly statements. Apex Pay reads every line, re-rates your stack, and keeps watch. No switching processors required.
March-statement.pdf
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April-statement.pdf
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May-statement.pdf
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Bank-grade encryption · read-only access · we never touch your funds or move your account.
Interchange — qualified$2,140.18Pass
Non-qualified downgrade$418.72Recoverable
“PCI non-compliance” fee$39.95Junk fee
Assessments (network)$186.40Pass
Processor markup (bps)$611.05Re-rate
Batch & statement fees$27.50Review
1,300+ line items parsed in this illustrative sample — 4 flagged for recovery or re-rate.
Effective rate — before3.42%
Effective rate — after re-rate2.61%
Same processor. Same terminals. Same deposits. Apex re-rated the markup and routing — a 0.81% effective-rate reduction in this illustrative sample. Nothing changes in how you take payments.
Live monitoring
Effective rate, trailing 6 mo.
New junk fee caught“Network access” line appeared — disputed automatically.
Resolved
Downgrade trend flaggedNon-qual volume up 2 months running — routing fix queued.
Actioned
0%
of statements had at least one flaggable fee
Illustrative sample
0
line items audited per statement
Illustrative sample
0%
average effective-rate reduction found
Illustrative sample
$0
upfront cost — audit is free to start
No processor switch required
Bank-grade encryption
Read-only access
Keep your processor
We never move your funds
We’d been with the same processor for nine years and assumed the rate was just what it was. Apex found the markup and the junk fees in an afternoon — we didn’t change a thing on the floor.
0.8%
effective-rate reduction (illustrative sample)
14 days
from statement upload to re-rate (illustrative sample)
Figures shown throughout this section — percentages, dollar amounts, line-item counts and timelines — are illustrative samples for demonstration, not verified client results. The success story above is a representative composite and does not depict any specific Apex Pay client. Actual savings depend on your processor, volume, card mix and current pricing.