Find out how your processing rate compares.
Upload one monthly statement. We read the fee lines, compute your effective rate, and show what the negotiable part of the bill costs you. Takes about 30 seconds.
Drop a PDF here
Square, Stripe, Clover, Toast, Fiserv, or anyone else. Up to 15 pages and 8 MB. No account, no card, no email.
How it works in three passes
The model reads, the code does the math. Nothing on your result was produced by asking a language model to add anything up.
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Extract
Every fee line on the statement is read exactly as printed, one row per line, along with the billing period, gross card volume, and transaction count. The extraction schema has no field for your business name, address, merchant id, or account number, so none of them can be read.
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Reconcile
The fee lines have to add up to the total your statement prints, within a cent. That single check is what separates a statement we read correctly from one we did not, and it is what a submission has to pass before it can join the index.
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Compute
Total fees divided by gross volume gives the effective rate, in whole cents, in the code. The fee lines are sorted into interchange, assessments, processor markup, and monthly fees by a versioned rules table, so you can see which part of the bill is actually negotiable.
Every claim on this page is spelled out in full. Read the methodology
What we keep, and what we discard
One checkbox sits above the upload, checked by default, and this is exactly what it says. Clear it and you still get your full result and share card; we just do not keep the fee lines and the submission never enters the index.
Either way, the statement you uploaded is deleted once the result is computed. That is a property of this tool, not a general claim about LedgerBox: documents you upload to the app stay in your workspace until you delete them.
Add my anonymized fee data to the public index. We store the fee lines, totals, processor, volume tier, and the industry and state you chose. We never store your business name, account numbers, or the statement itself.
- There is no field in the extraction for a business name, an address, a merchant id, or an account number, so none of them can be read off the page.
- Published figures are aggregates only. A group smaller than 20 submissions is never published, at any level of detail, in any format.
- Fee categories come from a rules table carrying version 2026-08.1, and that version is recorded alongside every figure it produced.
The index is open
Every consented submission that reconciles becomes one more data point in a public record of what businesses actually pay by processor, monthly volume, industry, and state. The whole thing downloads as a CSV, and it is the same numbers the benchmark pages read from.
Questions about the tool
What is an effective rate?
Total processing fees divided by gross card volume for one billing period. It is the only figure that lets you compare two processors honestly, and it is the one figure a processing statement never prints.
Do I need an account?
No. There is no signup, no card, and no email required to get a result. An email field appears after the result if you want the report sent to you, and it does nothing else.
What happens to the statement I upload?
It is read, the numbers are computed from it, and then the file and everything derived from it are deleted. A storage rule deletes anything left behind within a day, which covers a run that crashes before it can clean up after itself.
What do you keep if I add my data to the index?
The fee lines, the totals, the processor, the volume tier, and the industry and state you picked. Nothing that names you, because the extraction never read anything that names you.
Which processors does it read?
Square, Stripe, Clover, Toast, and Fiserv statements by name, and any other processor's statement too, keeping the processor name exactly as printed. Statements are read, not matched against templates.
LedgerBox turns statements into clean ledger data. If this took 30 seconds, imagine month-end. See what it does with a full month