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Payments 101

The hidden fees on your statement.

Some line items on your statement are real network costs. Many are pure padding. Here's how to tell the difference — and kill the junk.

By Craig “Rich” Riley · Updated

The usual suspects

  • PCI / non-complianceOften inflated, and avoidable with proper, free compliance setup.
  • Statement & batch feesSmall, recurring, and usually pure margin.
  • “Regulatory” / “network access” feesVague names that deserve a hard look.
  • Monthly minimum & annual feesCharges for the privilege of being a customer.
  • Tiered pricing buckets“Non-qualified” surcharges that quietly raise your rate.

How to kill them

Move to transparent pricing where you see the true network cost and a clear markup — or a zero-cost program where the cost comes off your margin entirely. Either way, the junk fees go. Start by finding them on your statement.

Free junk-fee audit

Send me your statement and I'll circle every padded fee and show you what it should be.

Kill the junk fees.

A free statement review flags every padded fee — no obligation.

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