RefoundMoney
The packet Proof FAQ Free 48-hour scan
Merchant fee audit

We find the money
your processor keeps.

One statement PDF in. Reconciled line-by-line against the card brands' own published rates. Evidence packet back in 48 hours. If we find nothing, you pay nothing.

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No account access. No passwords. One PDF — that's the whole ask.
Curious first? Two numbers.
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Exhibit A — the deliverable

A case file,
not a report.

This is a real RefoundMoney evidence packet (anonymized). Every flagged line carries the exact rule it breaks, the published-rate math, and the correction issued — plus a dispute letter written to forward as-is.

1.There is no such fee as "IRS Regulatory Fee" on any Visa/Mastercard schedule — yet it prints monthly on statements everywhere.
2.The published CPS/Retail rate is 1.51%. Statements bill 2.30% — the gap is processor markup posing as network cost.
3.Most contracts list one terminal. The statement bills two. Nobody counts.

Every packet contains:

  • Each flagged line — the rule it breaks
  • The published-rate math, line by line
  • A dispute letter ready to forward
  • A one-page summary for your CPA or partner
Human-verified before it reaches you. Machine math, human judgment.
[ REFOUNDMONEY ]
SEP 2026 · 44 LINES · READ IN 31 HOURS
Visa CPS/Retail — 1.51% + $0.10523.16
MC World Elite — 1.58% + $0.10410.22
AMEX Formal Plan 3 — 2.30% + $0.1088.47
Auth fee × 1,284 — $0.25321.00
"IRS REGULATORY FEE" $9.95/mo↳ NOT A REAL NETWORK FEE — FABRICATED LINE9.95
Terminal rental — terminal #123.00
Terminal rental — TERMINAL #2↳ CONTRACT LISTS ONE TERMINAL23.00
PCI compliance program14.00
Batch fee × 329.60
Paper statement fee12.95
INTERCHANGE — CPS/RETAIL 2.30% + $0.10↳ PUBLISHED RATE IS 1.51% (+$0.10) — 0.79% MARKUP311.04
Annual fee45.00
BILLED THIS PERIOD1,888.39
SHOULD HAVE BEEN1,544.40
↳ RECOVERABLE — THIS PERIOD343.99
↳ SAME PATTERN — 12 MONTHS4,127.88
AUDIT TRAIL — CORRECTIONS ISSUED
LINE 14 — REMOVE · fabricated fee, no network schedule match
LINE 27 — REFUND · Δ 0.79% × published CPS/Retail × 12 mo
LINE 33 — CANCEL · terminal #2 absent from contract
↑ three lines flagged, one rate corrected, one terminal de-duplicated
HUMAN-VERIFIED
48 HOURS
NO RECOVERY·NO FEE
$0
found for local businesses so far — counter rolls with every real win (illustrative seed)
0 passwords requested, ever 100% paid from found money Never by processors, carriers, or platforms
Get my free 48-hour scan →
How it works

Three steps. One PDF. 48 hours.

STEP 1

Send one statement

Your latest processor statement, as a PDF. That's the entire ask.

STEP 2

We reconcile & verify

Every fee line checked against published Visa/MC rate tables — then human-verified.

STEP 3

Evidence packet in 48h

Every error, every dollar, dispute letter ready to send. Monitoring optional monthly.

The 48-hour clock starts when your statement arrives. Average turn: 31 hours.

Three questions

Is the scan really free?
Yes — and if we find nothing, we tell you the statement is clean and you never hear from us again unless you ask.
What do you need from me?
One statement PDF. No bank logins, no account access, nothing else.
How is Refound paid?
By you, from money we recover — flat audit plus optional monitoring. Never by processors, carriers, or platforms.
48h
from your PDF to the answer. Free if we find nothing.
Start the scan