Last updated: August 2026
By using paymentswithal.com you agree to these terms. They're written to be readable, because a site about fine print shouldn't hide behind its own.
What this site is
Payments With Al publishes educational content about payment processing, and offers a free, no-obligation review of merchant statements.
This is education, not professional advice
The content here is general information about how payment processing works. It is not legal, accounting, tax, or financial advice, and it is not a substitute for professional advice about your specific situation.
Every business is different. Rates, fees, and contract terms vary by processor, industry, risk profile, volume, and negotiation. Before making a decision that affects your business, review your own agreements and consult your own advisors.
About the free statement review
If you send a merchant statement, I'll read it and give you my honest assessment of what you're paying and whether it looks competitive.
What that review is: one experienced person's opinion, based on the document you provide.
What it is not:
- An audit, a formal opinion, or a guarantee of accuracy
- A promise that you are or aren't being overcharged
- A commitment that any specific savings are available to you
- An obligation on either of us to do anything further
The review is based solely on the pages you send. If a statement is partial, outdated, or missing detail, the assessment will be too. Nothing in a review creates a professional or fiduciary relationship between us.
No guarantee of savings
Any figures, benchmarks, ranges, or example calculations on this site or in a review are illustrative. Your actual costs depend on your own volume, card mix, acceptance methods, industry, and the agreement you sign.
Nothing here is a promise of savings, and no specific outcome is guaranteed.
How I'm compensated
I place merchant accounts and earn ongoing compensation from processors when a business boards through me. That's a real conflict of interest, described in full on the How I Get Paid page. Read anything on this site with that in mind.
You are never obligated to request a quote, accept one, or switch anything.
Your responsibilities
When you submit a statement or use a form, you agree that:
- You're authorized to share the document you're sending
- The information you provide is accurate to the best of your knowledge
- You'll redact anything you don't want transmitted or stored (see the Privacy Policy)
- You won't use this site to send unlawful, infringing, or malicious content
Accuracy and updates
Payment processing rules, interchange rates, and card brand policies change regularly. Content is accurate to the best of my knowledge when published and may become outdated. Rates and regulations cited may have changed since a post's publication date.
If you find something wrong, tell me and I'll correct it.
Third-party links
This site links to outside resources for reference. I don't control them and I'm not responsible for their content or accuracy.
Limitation of liability
To the fullest extent permitted by law, Payments With Al is not liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on its content or any statement review.
The site and reviews are provided "as is," without warranties of any kind.
Intellectual property
The content here is mine. You're welcome to quote it with attribution and a link. Please don't republish articles wholesale.
Changes to these terms
If these terms change materially, the date above changes and the substance of the change will be noted here.
Contact
Questions: [email protected]