Solutions
Lower Your Credit Card
Processing Fees
Most small businesses overpay 15-40% on every card transaction. SKOOR's interchange-plus pricing saves you $1,500-7,500+ per year with zero monthly fees.
169,000+ businesses scored
See your real processing rate in 60 seconds
Upload your processing statement. SKOOR's AI extracts every fee and shows exactly how much you'll save with interchange-plus.
PDF or CSV. Results in under 60 seconds.
How Much Are You Overpaying?
Find your monthly card volume below. The “You Save” column shows what you'd keep by switching from flat-rate (2.9%) to interchange-plus pricing.
| Monthly Volume | Flat Rate (2.9%) | SKOOR IC+ | You Save | Annual Savings |
|---|---|---|---|---|
| $10,000/mo | $290/mo | $168/mo | $122/mo | $1,464/yr |
| $15,000/mo | $435/mo | $248/mo | $187/mo | $2,244/yr |
| $25,000/mo | $725/mo | $413/mo | $312/mo | $3,744/yr |
| $50,000/mo | $1,450/mo | $825/mo | $625/mo | $7,500/yr |
Based on typical card mix: 40% debit, 45% credit, 15% corporate. IC+ rate: interchange + 0.25%.
Three Steps to Lower Fees
Upload your statement
Grab your latest processing statement from Square, Stripe, PayPal, or Clover. Upload the PDF or CSV to our free analyzer.
30 seconds
See your real rate
SKOOR's AI extracts every fee — interchange, assessments, markups, PCI fees, batch fees — and calculates your effective rate.
30 seconds
Switch and save
Sign up for SKOOR. Get interchange-plus pricing, a corporate card, expense management, and a Business Health Score — all free.
2 minutes
Why You're Overpaying
Flat-rate pricing hides the real cost
Square (2.6%), Stripe (2.9%), and PayPal (2.99%) charge you the same rate on every card. But a debit card costs ~0.80% to process and a rewards card costs ~1.80%. You're subsidizing expensive cards with your cheap debit transactions.
IC+ was reserved for enterprise
Interchange-plus pricing has always been available — for businesses processing $250K+/year. Square and Stripe don't offer it to small businesses because it's less profitable for them. SKOOR offers IC+ to every business, regardless of size.
Hidden fees add up
PCI non-compliance fees, statement fees, batch processing fees, monthly minimums. Most processors bury 5-10 additional line items in your statement. SKOOR's Statement Analyzer finds every one.
What You Get with SKOOR
Lower processing fees are just the start. SKOOR is a complete financial platform for your business.
Interchange-Plus Processing
Pay the real cost per card type. Save 15-40% vs flat rate.
Corporate Card
Unlimited physical and virtual cards. No minimum balance.
Expense Management
Auto-receipt matching, AI expense review, policy controls.
Bill Pay
Pay by ACH, check, card, or wire. Automated approval workflows.
Business Health Score
0-1,000 composite score. Your credit limit grows with your score.
AI Agent
Flags duplicates, categorizes expenses, recommends savings. Free tier.
Flat Rate vs. SKOOR
Square / Stripe / PayPal
2.6-2.99% flat rate on every transaction
No visibility into interchange vs markup
IC+ reserved for $250K+ volume
Spend tracking only
No business credit score
SKOOR
Interchange + 0.25% (transparent)
Full breakdown on every transaction
IC+ for every business, any volume
Spend + earnings in one platform
Business Health Score (0-1,000)
Not ready to upload a statement?
Enter your email and we'll send you a personalized savings estimate based on your industry and volume.
Stop overpaying.
Start saving today.
Upload your statement for a free analysis. Or sign up for SKOOR and get interchange-plus pricing, a corporate card, and a Business Health Score — all free.