Most small businesses overpay on credit card processing fees and carry SaaS tools they barely use. SpendIQ finds exactly where — in 24 hours or less.
Processing statements are designed to be confusing. SaaS subscriptions renew automatically. Neither one sends you an alert when you're overpaying.
PCI non-compliance fees, statement fees, batch fees, regulatory padding — processors bury these in pages of line items. A business doing $50K/month in card volume can easily overpay by $300–$800/month.
The average small business pays for 8–12 SaaS tools. At least 3 of them have functional overlap, free alternatives, or unused seats. "We should cancel that" stays on the to-do list indefinitely.
Download your most recent credit card processing statement as a PDF and upload it. Takes 2 minutes.
Our analysis engine reads every fee, calculates your effective rate, and flags anything above industry standard.
Within 24 hours, you get a plain-English breakdown: what you're paying, what's junk, what you should be paying, and what to say to your processor.
Fill out a simple form: tool name and what you pay per month. No login access needed. Takes 5 minutes.
Our engine identifies overlapping tools, seats you're not using, tools with free tiers that cover your needs, and consolidation opportunities.
Within 24 hours, you get a prioritized action list: what to cancel today, what to downgrade, and what to consolidate — with estimated monthly savings.
Pay once, get your report. If we don't find anything worth addressing, you get a full refund — no questions asked.
* Merchant Fee Audit also available on contingency: pay nothing upfront, and we take 20% of year-one savings identified. Ask about this option in the form.
Individual results vary. Savings estimates are projections based on the information provided and are not guaranteed.
If our audit doesn't identify at least $500 in annual savings potential, we refund your fee in full — no questions, no forms, no waiting. We only make money when you save money.
Pick your audit type and fill out the short form below. No calls, no demos — just submit and get your report.
We're analyzing your processing fees now. Your report will arrive at the email you provided within 24 hours. Check your spam folder if you don't see it.
We're analyzing your SaaS subscriptions now. Your report will arrive at the email you provided within 24 hours. Check your spam folder if you don't see it.