Independent · Australian small business

Are your card fees eating your margin?

You run the till, the books and the socials — nobody has time to decode a merchant statement too. From 1 October the surcharge is gone and the fees are yours to wear. Two numbers, sixty seconds, straight answer.

  • Paid by you, not the bank — no provider commissions, ever
  • Sources shown for every number
  • No signup. Nothing stored unless you ask us to email you

Check your rate

Both numbers are on your merchant statement. Not sure where? Two-minute guide.

Enter both numbers — turnover and fees, dollars only.

Your effective rate

We'll email your result now and one rate-check reminder next year. Unsubscribe anytime.

FeeFox provides factual comparisons of your card fees against published market rates. What you do next is your decision. We are not financial advisers and this is not financial advice.

How it works

1Two numbers from your statement

Card turnover and total fees for the month. That's all we need — no login, no bank connection.

2We do the maths against published rates

Your effective rate, compared with what providers publish today. Every figure sourced, sources shown.

3You get a straight answer

At market, or above it — and what the gap is worth a year. What you do next is entirely yours.

Guides

Card fees in plain English — short reads, there when you want them.

⚡The surcharge ban, explainedWhat changed this week and the one thing worth checking. 3 min. 🧾How to read your merchant statementThe two numbers that matter, and where they hide. 3 min. 📊What providers actually chargeEvery published rate in one table, sources shown. 2 min.
Browse all guides →

The full audit — opening October

When you want the whole picture: send us one statement, we go through it line by line and hand back the fixes ranked by dollars, in plain English, within a day. One flat fee, once — not a subscription, no lock-in, no follow-up calls.

How it works: upload one merchant statement → we decode every fee line and compare it against published rates → you get a ranked fix list with the annual dollars on each, plus the exact questions to take back to your provider.

For scale: a business doing $40,000 a month on card at an effective 1.8% wears about $8,600 a year in fees. That's a worked example, not a promise — the free check above does your real number.

Our independence pledge. FeeFox is paid by merchants only. No commissions, no referral fees, no advertising from any payment provider — so the comparison is never for sale. If we can't find you a saving, we say so.
Flat fee
$149
once — not a subscription
  • Line-by-line statement audit
  • Fixes ranked by annual dollars
  • Plain-English report, under 24 hours
  • No saving found = we tell you straight

Straight answers

Who pays FeeFox?

You do. $149 for an audit, or nothing for the free check. FeeFox is independent. We take no commissions, referral fees or advertising from any payment provider. Our only customer is you.

Why does that matter?

Most "free" fee comparisons are paid by the provider that wins your business. Ours can't be.

What happens to my numbers?

The free check runs in your browser. Nothing is stored unless you ask us to email your result — then we keep your address and result, with your consent recorded, and you can unsubscribe with one click, permanently.

Why now?

The surcharge ban means card fees now come out of your margin, and from April 2027 providers must issue standardised statements. Knowing your effective rate just became worth real money.