AI Powered Savings

Processing transparency, built for your business

Most business owners don’t realize how much they’re actually paying in credit card fees until it’s too late. RateIQ shows your true effective rate and alerts you when something changes — automatically.

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Core Features

Powered by AI

Smarter Statement Analysis

Upload your merchant statement or connect your inbox for automatic detection. RateIQ breaks down every fee and exposes the real cost behind your credit card processing in seconds.

PDF Uploads and or inbox connection
Monthly, quarterly, and yearly comparisons
AI-powered charges breakdown

Monthly Effective Rate Tracking

Instantly track your effective rate and understand what you're really paying. Track your true effective rate, catch hidden fees, rate increases and take control of your credit card processing.

Effective Rates
Rates Comparison
Trends & Statistics
Visual Dashboard

Real-Time Alerts & Notifications

Stay informed with real-time alerts that protect your bottom line.

Alerts when your effective rate increases
Alerts for unusual fees or cost spikes
Contract renewal countdown notifications
Notifications delivered via text, email, or push (your choice)
Powered by AI

Smarter Statement Analysis

Upload your merchant statement or connect your inbox for automatic detection. RateIQ breaks down every fee and exposes the real cost behind your credit card processing in seconds.

PDF Uploads and or inbox connection
Monthly, quarterly, and yearly comparisons
AI-powered charges breakdown

Monthly Effective Rate Tracking

Instantly track your effective rate and understand what you're really paying. Track your true effective rate, catch hidden fees, rate increases and take control of your credit card processing.

Effective Rates
Rates Comparison
Trends & Statistics
Visual Dashboard

Real-Time Alerts & Notifications

Stay informed with real-time alerts that protect your bottom line.

Alerts when your effective rate increases
Alerts for unusual fees or cost spikes
Contract renewal countdown notifications
Notifications delivered via text, email, or push (your choice)

Simple, Secure, and
Set Up in Minutes

Your Privacy and Security Are Top Priority

Bank-level encryption and secure read-only access

We never touch your funds or sell your data

Disconnect any time,
no questions asked

No cold calls or
unwanted pitches

You’re in full control
of your information

What Others are Saying

Using this product has been a game changer for our business! We’ve seen a significant reduction in fees, which has allowed us to invest more in growth. The ease of use and efficiency it brings to our operations is truly impressive. Highly recommend it!

Liam Johnson
Owner, Company Name

Using this product has been a game changer for our business! We’ve seen a significant reduction in fees, which has allowed us to invest more in growth. The ease of use and efficiency it brings to our operations is truly impressive. Highly recommend it!

Liam Johnson
Owner, Company Name

Using this product has been a game changer for our business! We’ve seen a significant reduction in fees, which has allowed us to invest more in growth. The ease of use and efficiency it brings to our operations is truly impressive. Highly recommend it!

Liam Johnson
Owner, Company Name

Ready to Know What You’re Really Paying?

Join hundreds of business owners getting smarter about their merchant fees.

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