Payment cost review / 2026
Bring the agreement. Ask for specifics.
Seven questions for your payment provider.
Record the answer and the page or section that supports it. If an answer is missing, note who will confirm it and when. Use this sheet for a new quote or a review of your current arrangement.
What happens to fees after a refund?
List the original fees that remain and any additional fee for issuing a refund.
What does a dispute cost?
Separate receiving, contesting and other dispute charges. Which fees return after a win?
Are failed attempts or retries billable?
Check authorization, gateway and retry fees, plus any restrictions on retrying a payment.
What is the complete cost at my actual volume?
Compare the full fee schedule using your transaction count, average payment and card mix.
Are eligible enhanced-data savings passed through?
Confirm eligible transactions, required data and how any savings appear on your statement.
When can I use the money?
Write down payout timing, reserve percentage and duration, release conditions and faster-transfer fees.
What happens if I leave?
Check renewal, notice, cancellation charges and equipment-lease obligations separately.
Notes are held only in this page. They are not submitted or saved, and are cleared on reload. Print or save a PDF if you want to keep your completed worksheet. No contact details are needed.