Pricing changes
Look for changes in processor-controlled rates, recurring charges, and newly introduced fees.
Merchant statement monitoring
Keep a good processing deal from quietly becoming an expensive one.
A successful negotiation is not the end of the job. When monitoring is part of the written engagement, SPA reviews future statements for new fees or rate changes that could reduce the savings.
Protection after negotiation
Your monthly statement should match the deal you agreed to.
Processors can change pricing, introduce fees, or apply terms differently over time. Busy owners rarely have time to compare every line of every statement against a prior agreement.
SPA can compare future statements under the agreed monitoring terms, flag material changes, and help address them with the processor. The exact statement-delivery and authorization process is arranged privately with each client.
Agreed terms
Compare the live statement against the pricing terms that produced the expected savings.
Material differences
Raise meaningful discrepancies and help keep the processor accountable to the agreement.
Ongoing peace of mind
You run the business. We read the processing statement.
Monitoring is included only when described in the client’s written engagement. Nothing is added automatically.
Monitoring questions
What ongoing rate protection means in practice.
What is merchant statement monitoring?
Merchant statement monitoring compares future processing statements with the agreed pricing terms and looks for material processor-controlled rate changes, recurring charges, or new fees.
Is monitoring included automatically?
No. Monitoring is provided only when it is described in the client’s written engagement.
Does a higher monthly processing bill always mean rates increased?
No. Total fees may rise because sales volume, card mix, or transaction patterns changed. Monitoring separates normal business changes from material pricing changes.
What happens if a new fee or rate increase appears?
Sica Payment Advisors flags meaningful differences and can help address them with the processor under the agreed engagement and authorization.
Begin at the beginning
The first step is a free review of your current statement.
Find out whether your pricing is already strong or whether there is a worthwhile savings opportunity.