Statement review

Send us your statements. We'll show you what you're really paying.

Upload your last 3 to 4 months of settlement statements. Our payment team separates what the card networks charged from what was added on top, then builds you a Cost Plus rate.

Month 1

Month 2

Month 3

Month 4

3 to 4 months from your current processor. More months, a truer picture of your card mix.

Reviewed by people, not a calculator. Our payment experts read every line.
A rate built for you. Based on your card mix, volume and channels, not a rate card.
No obligation. See the numbers first. Decide after.

Submit your statements

After you hit submit

What happens to your statements next.

Step 01

We take them apart

Our payment team splits every charge into interchange, dues and assessments, and everything your current processor added on top.

You find outWhere your processing money actually goes.

Step 02

We build your rate

We price a Cost Plus rate around how you take payments: in store, online and mobile. One nominal fee, on its own line.

You getOne custom rate, explained line by line.

Step 03

We walk you through it

Your CBS contact follows up to go through the numbers with you. If you switch, we handle TIN validation and set processing up inside NorthStar.

You decideWith the full picture in front of you.

Before you upload

Statement questions, answered.

What is a settlement statement?

It's the monthly statement your current card processor sends you. It lists your card volume, the fees charged and the deposits made to your account. Most processors let you download it as a PDF from their merchant portal.

Why 3 to 4 months instead of one?

One month can mislead. Card mix, volume and seasonal swings change month to month, and fees sometimes only show up on certain statements. Three to four months gives our payment team an accurate picture to build your rate from.

Who should I pick as my CBS team member?

Choose the person at CBS NorthStar you've been talking to. If you haven't spoken with anyone yet, choose "Other" and our payment team will pick it up.

Do I have to switch if I send my statements?

No. The review is no obligation. You get the breakdown and a custom Cost Plus rate, and the decision stays yours. See how NorthStar Pay works.

Not ready to upload yet?

See how Cost Plus pricing works first, or talk to our payment team about your restaurant.

Explore NorthStar Pay Talk to our payment team

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