Am I overpaying for credit card processing?

Upload your merchant statement to MerchantExam for free analysis. We'll compare your rates against industry benchmarks and identify if you're overpaying. Many merchants save 20-40% by switching processors after our analysis.

How does merchant statement analysis work?

Upload your monthly merchant processing statement as a PDF. We analyze your effective rate, identify hidden fees, and compare your costs to Square, Stripe, PayPal, Clover and other major processors. Results in 60 seconds.

What is a good credit card processing rate?

Good processing rates typically range from 2.6% to 3.5% for most businesses. Rates depend on your industry, transaction volume, and average ticket size. If you're paying above 3.5%, you're likely overpaying and should compare alternatives.

Is MerchantExam really free and independent?

Yes! Our merchant statement analysis is completely free and independent. Unlike processor-owned comparison tools, we provide unbiased analysis. Your statement is deleted after 24 hours for privacy.

Which payment processors does MerchantExam compare?

We compare rates against Square, Stripe, PayPal, Clover, First Data, Helcim, and dozens of other major processors. Our analysis shows which processors offer better rates for your specific business type and volume.

What hidden fees should I look for in my merchant statement?

Common hidden fees include PCI non-compliance charges, statement fees, batch fees, gateway fees, monthly minimums, interchange downgrades, and markup on assessments. These can add hundreds per month to your costs.

MerchantExam

BigCommerce merchants

Are you overpaying for BigCommerce payment processing?

Upload your merchant statement and see exactly what you're paying in card-not-present fees. Most BigCommerce sellers overpay by 15-30% without realizing it.

2.9% – 3.5%

Avg. e-commerce effective rate

15 – 30%

Typical savings found

< 60 seconds

Analysis time

Are you overpaying for credit card processing?

Upload your merchant processing statement. Free analysis in 60 seconds.

Encrypted and auto-deleted after 24 hours

Why BigCommerce sellers overpay for processing

BigCommerce's built-in PayPal Braintree rates aren't always the cheapest option for your volume.

Card-not-present transactions carry higher interchange rates than in-store sales — small markup differences add up fast.

Gateway fees, monthly fees, and assessment markups often go unnoticed on e-commerce statements.

E-commerce means higher rates. Here’s why.

Every online transaction is classified as card-not-present. Card networks like Visa and Mastercard charge higher interchange rates for these transactions because they carry more fraud risk than an in-person swipe or tap.

That means as a BigCommerce seller, your baseline cost is already higher than a brick-and-mortar store. Any extra markup from your processor hits even harder. Knowing your effective rate — the total percentage you actually pay — is the first step to paying less.

Analyze your statement free

BigCommerce processing fees: FAQ

What processing fees does BigCommerce charge?

BigCommerce itself doesn't charge a transaction fee on any plan. However, your payment gateway (PayPal Braintree, Stripe, Authorize.net, etc.) charges processing fees. These typically range from 2.59% + $0.49 to 2.9% + $0.30 per transaction depending on your gateway and plan.

Can I use a different payment processor with BigCommerce?

Yes. Unlike some platforms, BigCommerce supports 65+ payment gateways. This means you can shop around for better rates — which is exactly what a statement analysis helps you do.

Why are my BigCommerce processing fees so high?

E-commerce transactions are classified as card-not-present, which carry higher interchange rates. On top of that, your gateway may be adding markups on interchange, assessment fees, and monthly charges that aren't obvious on your statement.

How do I lower my BigCommerce credit card processing costs?

Start by understanding your effective rate — the total percentage you're actually paying. Upload your statement for a free analysis, and we'll show you exactly where you're overpaying and which alternatives could save you money.

Ready to find out what you’re really paying?

Upload your BigCommerce merchant statement. Free analysis, results in under 60 seconds.

Are you overpaying for credit card processing?

Upload your merchant processing statement. Free analysis in 60 seconds.

Encrypted and auto-deleted after 24 hours