Audit engagement
Merchant fee structure review
Independent comparison of contracted or published merchant fees with what the payment gateway application actually deducted and remitted.
Purpose
Finance and partnership teams use this review when merchants dispute deductions or when a new fee card rolled out mid-period.
Included
- Inventory of fee components (MDR, scheme, markup, rental, minimums)
- Sample of merchant statements versus gateway fee postings
- Notes on tier misapplication, promotional overrides, and rounding behaviour
- Summary table of variance themes for commercial follow-up
Constraints
We do not renegotiate merchant contracts. We document what the gateway posted and how that compares to the schedules you provide.
Next step
Send fee schedules and a sample merchant list to begin scoping.