Know exactly what you pay to accept payments
Payment processing fees are notoriously difficult to verify. Payrails collects settlement data across your providers into one clear cost breakdown, so you can audit charges, catch overcharges, and understand the true cost of every transaction.
Monitor and reduce payment processing fees with Payrails
Settlement reports contain thousands of lines of scheme fees, interchange rates, and processor markups, each reported in different formats. Payrails consolidates and automates payment fee monitoring across providers, helping your team identify opportunities to lower transaction costs.
Audit processor compliance
Payrails automatically verifies that processor markups and pass-through costs align with negotiated contracts. Finance and operations teams gain a powerful tool for confirming that fees charged by PSPs and card networks match agreed-upon pricing structures.
Normalize fragmented settlement data
Settlement reports from different PSPs often arrive in inconsistent formats such as APIs, file exports, PDFs, or email attachments. Payrails converts these into a unified dataset, creating a reliable view of payment costs across the entire stack.
Identify fee leakage
Continuously analyze settlement data to detect overcharges and miscalculations across card types, regions, and business entities. This helps teams identify discrepancies early to stop small errors from eating into your margins.
Benchmark PSP costs
Payrails standardizes payment data so teams can compare the true effective processing rate across multiple providers, making it easier to evaluate PSP performance and understand where costs vary across markets.
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Got questions?
Payment fee monitoring is the process of tracking and auditing the fees charged by payment processors and card networks. It helps businesses verify that the costs they pay match their contract terms.