Crane Processing
Most processors show you the rate. We look at the parts of your statement that quietly change what you actually pay.
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Illustrative example — not a real merchant statement. Based on a $50k/month flat-rate merchant. Toggle the equipment option to see how the numbers change.
We check seven specific places where processors quietly pad their margin — most merchants never see them.
When a transaction doesn't qualify at the expected rate, the processor charges more — silently, with no line item on your statement. These "non-qualified" surcharges can add 0.5–1.5% on top of your advertised rate on a significant portion of your volume.
These hidden penalties are one of the most common sources of margin leakage — and they rarely appear by name on your statement. We check the downgrade percentage and the surcharge amount for every account we review.
Debit transactions can run through multiple networks — Visa, Star, NYCE, Pulse — with very different costs. Processors often select the routing that maximizes their margin, not yours. Under the Durbin Amendment, you have the right to least-cost routing on debit. Most merchants aren't getting it.
Debit processed on the wrong network can carry rates closer to credit — on what should be your lowest-cost transaction type. If debit is a significant portion of your volume, this can be material.
When a tip is added after authorization, terminal configuration affects how the transaction is completed and settled. We check the settings and statement lines to confirm that tipped tickets are being handled the way your business expects.
For restaurants and bars, a mismatch can complicate reconciliation or create avoidable costs. We confirm the actual impact from your statement before recommending a change.
Batches not settled within 24 hours of authorization automatically trigger rate penalties across all card networks. This is a hard rule, and it applies regardless of your agreement with your processor. If your terminal isn't auto-settling, you're paying more — every single day.
One misconfigured terminal setting can silently downgrade every transaction. We check batch settlement configuration on every account we set up and review it on every statement audit.
Flat-rate processors bundle margin into one percentage that applies to every card type equally. Cheap debit cards and expensive rewards cards get charged the same rate — which means you're significantly overpaying on debit while the processor profits from your best customers' premium cards.
The more your customers use premium cards — travel rewards, corporate cards, cash-back cards — the more your processor profits. Crane's rate, starting at 2.19% + $0.09 per transaction, is one rate across all card types — no premium-card downgrades or "non-qualified" tiers. We show you the difference on every estimate.
Monthly statement fees, annual fees, IRS reporting fees, regulatory compliance fees, minimum processing fees — these line items are common on processor statements and many merchants pay them without realizing they're optional or negotiable. They add up fast: $5–$30/month each, across multiple line items.
We've reviewed statements where the rate looked reasonable but the fee pile added 30–40% to the real monthly cost. Crane's pricing is straightforward — no hidden line items.
Your actual card mix — the ratio of debit to credit, basic to rewards, consumer to commercial — directly affects what you should be paying. A business with mostly debit transactions has a fundamentally different risk profile than one running mostly corporate cards. If your pricing doesn't reflect your card mix, you're either overpaying or at risk of a rate adjustment.
We look at the card mix breakdown on every statement we review. High debit volume is one of the strongest indicators that a merchant can save significantly by switching to Crane's flat-rate pricing — one rate across all card types, with no downgrade tiers.
We read the fees, show you the real math, and tell you if switching is worth it. No commitment.