Card processing. The contracted rate, certified against the billed one.

Card-processing statements fold interchange, network fees and the processor's own markup into lines few operators can check. M01 Merchant Processing Fees checks every statement and payout against your signed merchant agreement and any rate notice, on the same MGE (Metrics Governance Engine) Trust Loop that powers M02 and M04, and ends in a CAAR (Certified Analysis & Audit Report).

• Markup vs. contract — the processor's rate above interchange, tested against the rate you signed or the latest rate notice.
• Fees the agreement doesn't allow — statement, PCI and equipment fees your contract never authorized.
• Rate changes without notice — increases applied before, or without, the notice your agreement requires.
• Payouts to the bank — every payout traced to a deposit, and each month-end fee debit matched to the statement.

Every certified finding is sealed with SHA-256 in an evidence-grade CAAR. Sentry certifies what is owed; your team takes it to the processor and collects. M01 is part of your Sentry subscription. Request pricing →