PayRecon reads your processor contract and checks your statement against it, line by line. Plain-English report showing exactly what you were charged versus what you should have paid — in under 5 minutes.
No credit card required · Results in 5 minutes · Stripe, Square, Clover & Heartland
The problem
Most small businesses overpay on card processing fees for years without ever knowing it.
A processor billing 2.31% instead of your contracted 2.10% never throws an error. It silently skims every transaction, every day.
"Regulatory fee," "AVS surcharge," "statement fee" — processor-invented charges buried in your statement that cost nothing to remove if you know to ask.
Timing gaps and partial deposits can mean money you're owed hasn't arrived in your bank — and nobody tells you.
The average merchant we analyze is overpaying $200–$800/month. That's $2,400–$9,600/year.
How it works
No accounting degree required.
Drag in your processor statement (Stripe, Square, Clover, Heartland, or CSV from any processor) and your bank statement.
PayRecon compares what you contracted to pay vs. what you actually paid vs. what hit your bank account.
You get a clear summary: what was found, what it cost you, and exactly what to say when you call your processor.
Why PayRecon
Enterprise software is built for companies with finance teams. PayRecon is built for the merchant who has none of that but still deserves the same quality of insight.
You email us, we respond
Not a ticket queue. Not a chatbot. The person who built it answers.
Set up in minutes, not days
If you can upload a file, you can use PayRecon. No accounting degree required.
Priced for the person doing everything
No investors to impress, no sales team to pay. That's reflected in the price.
Built from a real problem
The founder spent years inside card networks and core banking watching merchants get overcharged. PayRecon exists because of that.
Pricing
Cancel anytime. No contracts.
No investors to impress. No sales team. Just a fair price for the work.
For single-location merchants
For connected imports and fewer CSV exports
For ISOs and payment consultants
Not sure which plan? Start with a free audit — no card required.
FAQ
Is the first audit really free?
Yes. No credit card required. You see your full findings before we ask you to pay anything.
Which processors do you support?
Stripe, Square, Clover, and Heartland natively. Any other processor works too — just export a CSV from your statement and we'll parse it.
Who answers when I need help?
The founder. Not a ticket system, not a chatbot. Email [email protected] and you'll hear back from the person who built it.
How is my data protected?
PayRecon is PCI DSS reviewed and OWASP Top 10 audited. We ran 170 end-to-end tests before the first merchant uploaded a statement.
Upload your last statement and get a free audit report in minutes. No card required.
Start your free audit