What is a merchant processing report?
A merchant processing report is a summary of your card activity for a period: sales volume, number of transactions, refunds, chargebacks and every fee your processor charged. Most processors send it as a monthly merchant statement. Avendo focuses on making pricing and processing reports clearer, so merchants can understand what card acceptance really costs them.
What is on a merchant statement?
A typical merchant statement has account information and the statement period, a summary page with totals, a daily or batch activity section, a card brand summary, a fee breakdown, and any chargebacks or adjustments. Layouts differ by processor, so the same fee can appear under different names. Our guide to merchant processing reports walks through each section.
Why do merchant statements matter?
Your merchant statement is the most complete record of what card acceptance actually cost you. It shows whether your rates match your agreement, whether new fees appeared, and how refunds and chargebacks affected deposits. Card fees add up: Beast Insights reports that US merchants paid a record $198.25 billion in card fees in 2025.
How often should I review my processing report?
Review it every month when the statement arrives, and compare it with the previous month. A monthly check catches new fees, rate changes and unusual chargebacks while they are still easy to question. Focus first on three numbers: your effective rate, your total fees, and any line item that did not appear the month before.
What is a batch on a merchant statement?
A batch is a group of card transactions submitted together for settlement, usually once per day. The batch section of a statement lists each batch date, its total sales, refunds and the net amount deposited. Matching batch totals to bank deposits is one of the simplest ways to confirm that every sale you made was paid out.
What does the card brand summary show?
The card brand summary splits your volume and fees by network, such as Visa, Mastercard, American Express and Discover. It helps you see which cards your customers use most and which brands cost more to accept. Rates differ by network and card type, so a shift in your customers’ card mix can change your total fees.
What is a PCI non-compliance fee on my statement?
It is a monthly charge some processors add when a merchant has not completed its PCI DSS validation. Helcim's statement guide notes that this non-compliance fee can run $20 to $100 per month. Completing the required validation usually removes it. Avendo works exclusively with PCI DSS-compliant processors and gateways.
What is the processor markup on a statement?
The markup is the processor's own cut, charged on top of the wholesale interchange and network fees. Helcim's guide to reading merchant statements notes it is usually shown as a percentage, for example 0.30%. Separating markup from interchange is the clearest way to see what you pay the processor itself, as opposed to card networks and banks.
How do I run a payment method report in QuickBooks?
In QuickBooks Online, the usual approach is to open Reports, choose a sales or transaction report, then customize it to filter or group results by payment method. Menu and report names change between versions, so confirm the current steps in the QuickBooks help center. Then compare that report with your processor statement to reconcile card sales.