Your statement, translated into plain English.
Processing statements are hard to read on purpose. Send us one recent statement and we'll break down what you're actually paying, line by line — free, and with zero obligation to switch anything.
Three steps. One email.
Send one statement
Email your most recent monthly processing statement (PDF or a clear photo) to info@TryBlueOak.com. Any processor, any format.
Nick reads it properly
Effective rate, interchange vs. markup, monthly fees, equipment charges, and anything that shouldn't be there. Eighteen years of statements makes them quick to decode.
Get the plain-language version
A straightforward walkthrough of what you pay and why. If your current setup is fair, we'll tell you that too — and you keep it.
The four numbers that matter on every statement.
Most owners only look at the deposit. The review shows you the rest — in language you'd use with a neighbor, not a banker.
Your effective rate — total fees divided by total volume. The one number that cuts through every pricing scheme.
What's interchange, what's markup — the part every processor pays vs. the part you're negotiating.
Junk and duplicate fees — PCI non-compliance, statement fees, "annual" fees that appear twice a year.
Whether switching is worth it — sometimes it is, sometimes it isn't. You'll know either way.
No obligation means no obligation.
The review is free whether or not you ever work with Blue Oak. Worst case, you finally understand your statement.
Prefer to talk first? Call or text (909) 767-8738.