Most operators have no idea what their effective rate actually is — let alone where it goes. This is the real one: FeeQuery, the same statement analyzer Driven Payments uses with merchants every day.
Upload it or type the numbers in. FeeQuery breaks down every line — interchange, dues and assessments, processor markup, junk fees you don't recognize — and tells you, in plain English, how much of it is actually negotiable.
This is the analyzer the Driven Payments team runs on every prospect statement. Not an estimate, not a benchmark band — the actual breakdown of your statement.