Card payments

Find hidden costs in your merchant statement

Upload a monthly card processing statement or enter the figures manually. Aarubi will estimate your current effective rate and show whether a better card terminal deal may be available.

Statement files are not storedEditable figures before calculationDeterministic savings maths

Free estimate

Card statement analyser

PDF, JPG or PNG

Upload statementChoose a monthly merchant statement

Files are used for this estimate and not stored by Aarubi. Redact bank details or card/customer data if they appear on your statement.

Statement totals

Confirm or enter manually

ProviderStatement periodPricing model

Monthly card turnoverTransaction countCurrent monthly charges

Fixed monthly fees

Optional but improves accuracy

Terminal rentalGateway feesPCI/admin feeStatement feeMinimum monthly chargeOther monthly fees

Card mix

Use totals from the statement summary where available

Card typeTurnoverTxnsCurrent rateCurrent charges

Consumer debit

Consumer credit

Business and commercial cards

International cards

Premium/rewards cards

Other or unknown card mix

What gets checked

Built for UK SME card statements

Effective monthly processing rate

Debit, credit, commercial and international card mix

Terminal rental, gateway and statement fees

PCI, minimum monthly and other avoidable charges

This tool provides an indicative estimate only. Actual rates depend on business type, transaction profile, contract terms, hardware needs and acquirer acceptance. Do not upload full card numbers, cardholder data or bank details.