Upload a recent statement and our analysis reads your volume, fees, and effective rate for you — or enter the figures yourself. Then choose the 365guru features you want Payments365 Guru to quote. Statements are transmitted securely for analysis and are not stored by this page.
Step 1
Upload your current statement
Select a recent merchant statement and we extract the key figures automatically. Never include full card numbers, CVV codes, bank login credentials, passwords, or processor credentials in any file you share.
Awaiting file
Step 2
Check your effective rate
Enter every charge from your statement, including interchange and network pass-through fees. Interchange is set by the card networks, not your processor, and typically runs about 1.5% to 2.5% of volume depending on the cards your customers use. Entering only your processor's markup understates your true rate. Published tables: Visa interchange · Mastercard interchange.
Effective rate0.00%
Enter volume and costs to see your rate signal.
Under 3%: fair range 3% to 4%: review recommended Over 4%: likely overpaying
Step 3
Build your feature package
Choose what you want quoted or what you want to explore. Payments365 Guru can keep processor and gateway options white labeled during discovery while presenting the customer-facing tools as the 365guru product family.
Step 4
Direct quote request
Selected statement
No file selected
Monthly volume
$0
Monthly costs
$0
Rate signal
Waiting for figures
365guru catalogue options
No options selected
This page gives a first-pass signal and quote request. Final pricing depends on underwriting, card mix, business type, risk review, equipment, software, gateway needs, and written agreements.
