RateIQ

Processing
Transparency,
Built for

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.

See how it works Join the Waitlist

•••• •••• •••• 4829

Card Holder

BUSINESS OWNER

Expires

12/28

Your Effective Rate

3.27%

Needs attention

Rate Increase

Your rate went up 0.15% this month

Works with any processor

stripeHeartlandChaseTSYSElavonGlobal PaymentsshopifystripeHeartlandChaseTSYSElavonGlobal Paymentsshopify

Core Features

Know your true rate.

Stop guessing what you're paying. RateIQ calculates your real effective processing rate automatically.

Monthly Effective Rate

3.27%

Needs attention

Get alerted.
Instantly.

The moment your processor raises fees — even by a fraction of a percent — you'll know. No more surprises.

Rate Increase Detected

Just now

Your effective rate increased from 2.89% to 3.27% this month.

Analyze any statement.
Instantly.

Upload any processing statement and get an instant AI-powered breakdown of every fee, charge, and hidden cost.

AI Charges Breakdown

Sales Volume$72,634

Total Fees$2,375.13

Effective Rate3.27%

Find better
pricing.

Benchmark your rate against thousands of businesses. See what you should be paying based on your industry and volume.

Industry Benchmark

Based on your MCC code

Your rate3.27%

Average rate2.8%

Compare rates

Set Up in Minutes

Simple, secure, and ready to save you money.

Register

Connect

Link your processor or upload statements securely.

Analyze

Get instant AI-powered analysis of your rates.

Track

Monitor rates and get alerted to changes.

Your Privacy and Security Are Top Priority

We built RateIQ with security-first architecture. Your data is encrypted, protected, and never shared.

Bank-level encryption

Read-only access

Never touch your funds

Disconnect anytime

No data selling

Full control of your info

$172B

Earned by card processors in profit last year

3.1%

The average rate most merchants are quietly paying

$4,000+

Average savings we find per merchant, per year

10 min

To connect your processor and know your true rate

Frequently Asked Questions

RateIQ helps business owners understand what they're really paying in credit card processing fees, without the jargon, pressure, or sales gimmicks.

Is RateIQ safe to use?

Yes. RateIQ is built to be secure, read-only, and non-invasive. We help you understand your processing fees without touching your money, changing your accounts, or interrupting how your business runs. When relevant, we use secure, permission-based connections through Plaid.

Who built RateIQ, and why should I trust you?

RateIQ was built by people who know the payments space and are tired of seeing small businesses overpay. We're focused on transparency, education, and helping business owners get a fair deal without the sales fluff.

Will you sell or share my data?

No. Your data is yours. We do not sell, rent, or share your information with third parties.

Why is this free? What's the catch?

There's no catch. We believe every business owner deserves clear insight into what they're paying. In some cases, we may offer optional paid services or connect you with trusted partners, but only if you choose to explore that.

What happens after I sign up?

You'll get a clearer picture of your processing costs, effective rate, and any fees that may be inflating your bill. From there, you can decide what action makes sense for your business.

Do I need to switch processors to use RateIQ?

No. RateIQ works with your current setup. We're here to help you understand your fees and options, not pressure you into switching processors.

What kind of data does RateIQ need to work?

We may use your merchant statement or read-only transaction data to analyze your processing costs. When available, Plaid can help connect read-only financial data securely so we can track your effective rate and identify hidden fees.

Will this affect my credit or merchant account?

No. RateIQ only reviews information. It does not affect your credit score, your merchant account, or your day-to-day business operations.

Can I cancel or disconnect anytime?

Yes. You're always in control, and you can disconnect or stop using RateIQ whenever you want.

How do you protect my privacy and information?

We use secure systems and privacy-conscious data handling to protect your information. We take security seriously and design everything to minimize risk. Plaid also emphasizes permission-based access, user control, and the ability to revoke access.

How often will I get updates or reports?

That depends on how you set things up, but you'll receive ongoing updates so you can stay on top of your processing costs and spot anything unusual quickly.

What happens if you find a problem with my fees?

We'll show you exactly what we found and where the issue is. If you want help reviewing your options, we can guide you forward without pressure or sales games.

Stop overpaying.
Start saving.

Join the Waitlist

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