Upload your merchant statement for a no strings attached fee analysis report

Upload Your Statement for a Free Fee Audit

Most automotive shops are paying more than they think. Upload your most recent processing statement and we’ll show you your true effective rate, hidden fees, and potential savings.

What We Review in Your Free Audit

Our comprehensive audit is designed to uncover hidden opportunities and savings in your payment processing. By uploading your information, you can gain insights that will help you make informed decisions and optimize your costs.

  • What is your true effective processing rate?

    We analyze your processing rates to ensure you're not overpaying for services.

  • Are there hidden and junk fees?

    We identify any unnecessary fees that may be inflating your costs.

  • What about downgrade and non-qualified charges?

    Our review highlights any downgrade fees that could be avoided.

  • Are there MCC classification issues?

    We check for any misclassifications that could affect your rates.

  • What are the card vs ACH savings opportunities?

    We explore potential savings by comparing card processing to ACH options.

Estimated Savings

Our audit provides you with estimated monthly and annual savings, giving you a clear picture of your potential financial benefits.

Upload Your Statement for a Free Audit

Ready to optimize your payment processing? Fill out the form below to upload your statement. We keep it simple with just a few fields to ensure you can get your free audit quickly and easily. Let’s get started!

Merchant Statement Upload

Your Data is Safe with Us

At Smart Pay Merchant Solutions, we prioritize your privacy. Your information is secure and confidential; we never share or sell your data. Plus, there’s no obligation to switch your payment processing services.





We’re a family-owned company based in Boerne, Texas, specializing in automotive businesses.