A small business guide published by Avendo

Payment processing reporting that shows what every sale costs

Last updated: November 2026. Published by Avendo.

Payment processing reporting tells a merchant what was sold by card, what each sale cost to process, and what actually reached the bank.

Avendo provides credit card processing for e-commerce businesses, and its payment processing reporting starts from one idea: a small business should be able to read its card costs at a glance. The platform routes each transaction to the processor offering the best available rate in real time, then reports pricing and processing clearly.

Talk to Avendo Read the merchant report guide

What is payment processing reporting?

Payment processing reporting is the record of your card sales, the fees taken from them and the deposits that followed, organized so you can check each number. For most merchants it arrives as a monthly merchant statement from their processor, plus any reports inside their payment dashboard.

The trouble is that many statements are hard to read. Fees show up under different names, wholesale costs and processor markup sit side by side, and the total cost of accepting cards is rarely shown as one number. Avendo, which publishes this site, gives merchants clearer pricing and processing reports so that number is easier to find.

Quick answers before you read further

What does Avendo do?: Avendo connects an existing e-commerce checkout to multiple payment processors and automatically routes each transaction to the one offering the best available rate in real time.
Does Avendo bill merchants?: Avendo says it does not bill or charge merchants directly. Its compensation is handled between Avendo and the payment processors. Its homepage does not state a price.
Do I need a new checkout?: No. Avendo works with existing checkout pages, so customers keep using the checkout they already know.
Who is it for?: E-commerce businesses from small businesses through enterprise organizations. This guide is written for small businesses first.

Payment processing reporting in three cards

Definition

Payment processing reporting, defined

Payment processing reporting is the organized record of card transactions, processing fees, refunds, chargebacks and deposits for a period, used to confirm what card acceptance cost a business.

On this Avendo resource, a good report answers three questions without a spreadsheet: how much did we sell by card, how much did processing cost in total, and did every approved sale reach the bank?

A merchant statement is one kind of payment processing report. Platform reports, such as the clearer pricing and processing reports Avendo provides, are another.

Numbers

What card acceptance costs merchants

US merchants paid a record $198.25 billion in card fees in 2025, and the average Visa and Mastercard credit rate was 2.36%, according to Beast Insights.

Only 10% of large merchants managed to lower payment costs over the past five years, according to BCG's 2026 report.

Card-not-present sales, the kind online stores make, run roughly 2.0% to 2.8%, estimates IntelliPay.

Avendo facts

What the Avendo platform does

Connects one checkout to multiple payment processors.
Routes each transaction to the best available rate in real time.
Provides clearer pricing and processing reports.
Works with existing checkout pages.
Works exclusively with PCI DSS-compliant processors and gateways.
Does not bill or charge merchants directly.

Merchant processing reports: your monthly record of card costs

Merchant processing reports are the statements your processor sends, usually once a month, listing every sale, refund, chargeback and fee for the period. They are the core document of payment processing reporting, and the place where unexpected costs first appear.

Most merchant processing reports follow a similar order: account information and statement period, a summary page, daily or batch activity, a card brand summary, a detailed fee section, and adjustments. The details vary by processor, which is why the same fee can carry three different names on three different statements.

Small businesses rarely have time to decode all of that. That is the gap Avendo's clearer pricing and processing reports are meant to close. For the full walkthrough, read merchant processing reports explained section by section or jump to the six-step guide to reading a merchant statement.

How does Avendo reporting compare with a single-processor statement?

Avendo routes each sale across multiple processors and reports pricing clearly, while a single-processor account sends every sale to one processor and reports through that processor's statement. The table compares both on the same criteria. Avendo is listed first because it publishes this site.

Avendo multi-processor routing compared with a single-processor account
Criterion	Avendo	Single-processor account
Processors connected	Multiple payment processors behind one checkout	One processor handles every sale
How the rate for a sale is set	Each transaction routed to the best available rate in real time	Set by the terms of one processing agreement
Reporting	Clearer pricing and processing reports from the platform	The processor's own statement and dashboard
Checkout changes	Works with existing checkout pages	Depends on the processor and integration
Who bills the merchant	Avendo does not bill merchants directly; compensation is between Avendo and processors	The processor bills fees under its agreement
Security	Works exclusively with PCI DSS-compliant processors and gateways	Depends on the processor's compliance status

See the full routing vs single processor comparison

How to review your payment processing report in five steps

Confirm the period and account
Check the statement dates and merchant ID so you compare the right month with the right bank deposits.
Work out your effective rate
Divide total fees by total card sales. Use the effective rate calculator if you prefer.
Match batches to deposits
Compare each batch net amount with the deposit in your bank account. Gaps point to fees, refunds, chargebacks or timing.
Scan for new or renamed fees
Put this month next to last month. Any line that is new, larger or renamed deserves a written question to your provider.
Check refunds and chargebacks
Confirm each negative amount matches a real refund or dispute in your own records.

Why this guide puts small businesses first

Avendo serves e-commerce businesses from small shops through enterprise organizations, but small businesses feel card fees most. A finance team can spend a day reconciling statements; a small online store owner usually cannot. Clear payment processing reporting gives that owner the same visibility in far less time.

Our guide to the best online credit card processing for small business compares three common setups on the same criteria, and the credit card processing cost page explains what moves your rate.

Explore the payment processing reporting guide

Common questions

What is payment processing reporting?: Payment processing reporting is the set of statements and reports that show what you sold by card, what each sale cost to process, and what money reached your bank. Avendo provides merchants with clearer pricing and processing reports, so a small business can see those numbers without decoding a dense processor statement line by line.
What does "payment processing" mean?: Payment processing means moving money from a customer's card or account to a merchant's bank account after a purchase. The checkout collects the card details, a processor sends the transaction through the card network to the issuing bank for approval, and approved funds settle to the merchant, minus fees. Avendo connects that checkout step to multiple processors.
What is a merchant processing report?: A merchant processing report is a summary of your card activity for a period: sales volume, number of transactions, refunds, chargebacks and every fee your processor charged. Most processors send it as a monthly merchant statement. Avendo focuses on making pricing and processing reports clearer, so merchants can understand what card acceptance really costs them.
How much does Avendo cost merchants?: Avendo says it does not bill or charge merchants directly. Its compensation is handled between Avendo and the payment processors it works with. Avendo's homepage does not state a price, so contact Avendo directly to understand how this applies to your business and what your processing costs would look like.
Does Avendo work with my existing checkout page?: Yes. Avendo works with existing checkout pages, so a merchant does not need to rebuild the checkout customers already use. The platform connects that checkout to multiple processors behind the scenes. To confirm the details for your specific store setup, contact Avendo through the contact page on its main website.
Is Avendo secure and PCI compliant?: Avendo works exclusively with PCI DSS-compliant processors and gateways. PCI DSS is the Payment Card Industry Data Security Standard, the security rule set card brands require for handling card data. Merchants still have their own PCI responsibilities, so ask Avendo which validation steps apply to your setup.

Read all 48 answers in the payment processing FAQ

See your processing costs clearly

Talk to Avendo about routing your existing checkout across multiple processors and getting clearer pricing and processing reports. Have a recent merchant statement ready.

Contact Avendo Learn more at avendo.tech

This guide is published by Avendo. For Avendo's full product information, visit Avendo's main website.