Money Trail Explorer
Click six payment stages and turn illustrative adjustments on or off.
Follow the money →Merchant tools & trust
Tools for better payment decisions
Simple, transparent utilities that help you ask better questions. No sign-up and no data upload.
New · Signature experience
See where the money actually goes.
Explore fictional card payments from checkout through authorization, settlement and bank funding. Understand timing and deductions without uploading a statement.
The merchant decision workspace
Connect the costs, money movement and the questions behind a processing decision.
Explore the Workbench →Available tools
Use the numbers. Keep control of your data.
These tools operate in your browser and are designed for education, not underwriting, quotes or guaranteed savings calculations.
Merchant decision navigator
Four general questions lead to relevant evidence, operational next steps, and reference guides. No provider pitch.
Start the navigator →Effective rate calculator
Enter your period's relevant total fees and processing volume to calculate a historical ratio.
Explore →Statement review checklist
Work through fee, contract and workflow questions without submitting a statement.
Explore →Merchant account checklist
A contract and provider evaluation guide.
Explore →Fee glossary
Understand a specific fee label before judging it.
Explore →Should you switch?
The evidence-led stay, renegotiate, reconfigure, or explore framework.
Explore →Merchant Reality Audit
See the full context for merchant recommendations.
Explore →What these tools do not do
A simple ratio or checklist is not a processing proposal, account approval, PCI assessment, or legal opinion. They do not replace relevant contract terms or provider records.
No statements, credentials, banking information, or cardholder data should be entered or submitted through these tools.
Not sure which tool you need?
Start with your situation.
A simple guide routes you to fee explanations, deposit tutorials, technology guidance, or a careful processor decision.
Explore the starting guide →