Statement A: understand your Payroc merchant statement

Not sure which statement you have? Start with Understand your statement and compare both the cover-page address position and your pricing structure. These guides explain Payroc merchant statements.

This article explains how to read your statement, which contains details about your transactions and the fees associated with processing transactions with us. For an overview about the types of fees in your statement, go to Fees in your statement.
We produce two different statements, and the statement that you receive depends on your pricing structure. You receive Statement A if you’re on one of the following pricing structures:

Interchange +
Tiered Pricing
Flat Rate
RewardPay Choice
Consumer Choice
Cash Rewards

Statement A has our address at the top-right corner of the front page of the statement, for example:

Statement cover page with the Payroc address highlighted at the top-right

If you’re on any of the following pricing structures and our address is at the upper-left corner of the statement, go to Statement B:

Interchange +
Interchange ++
Interchange +++

Statement structure

The statement contains the following sections:

Overview – Merchant account information, the statement period, and a summary of processing fees and sales.
Monthly Charges Summary – Processing fees split by card type.
Processing Volume by Card Brand – Sales and returns split by card type.
Immediate Attention Required – Important updates from us and third-party services.
Summary – Total number and amount of sales and returns split by card type.
Merchant Activity – Daily batches and any deductions.
Interchange Plus Summary – Interchange fees and card association fees split by card brand.
Monthly Recap – Miscellaneous fees and fees for credit transactions and signature debit transactions.
Merchant Fee Recap – Fees for PIN debit transactions.
Statement Summary – Total fees for processing card transactions.

Overview

The Overview contains your merchant account information, the statement period, and a summary of your processing fees and sales.

Statement Overview with callouts 1 to 6 for the fee summary, statement month, MID, and monthly sales totals

The Overview includes the following information:

Number	Description
1	A summary of your fees, which includes: Total Processing Fees – Total cost of processing your card transactions for the month. It includes card brand fees, Payroc fees, and miscellaneous fees. Daily Fees Paid – Amount of fees you’ve paid throughout the statement month. This line item appears only if you’ve signed up for Daily Billing. Processing Charges – Total amount of fees we deducted from your bank account. This is Total Processing Fees minus Daily Fees Paid.
2	Statement month.
3	Your merchant ID (MID).
4	Total sales for the current month, for example, if your statement is for April 2026, this value shows your total sales for April 2026.
5	Total sales for the previous month, for example, if your statement is for April 2026, this value shows your total sales for March 2026.
6	Total sales for the same month in the previous year, for example, if your statement is for April 2026, this value shows your total sales for April 2025.

Monthly Charges Summary

The Monthly Charges Summary is your processing fees displayed as amounts, percentages, and in a pie chart format.

Monthly Charges Summary listing fees by card brand with amounts, percentages, and a pie chart

The Monthly Charges Summary contains the following types of fees:

Card Brand Fees – Interchange fees and card association fees split by card brand. The fees include credit transactions and signature debit transactions.
Debit Fees – Interchange fees and card association fees for PIN debit transactions.
Payroc & Third Party Service Fees – Payroc fees and miscellaneous fees.

Processing Volume by Card Brand

The Processing Volume by Card Brand is your sales and returns split by card type.

Processing Volume by Card Brand table with sales, returns, and net credit sales by card type

The Processing Volume by Card Brand includes the following information:

# Sales – Number of sales split by card type.
# Returns – Number of returns split by card type.
Credit Sales – Amount of sales split by card type.
Returns – Amount of returns split by card type.
Net Credit Sales – Total amount of Credit Sales minus Returns.

Immediate Attention Required

The Immediate Attention Required contains important updates from us and third-party services.

Immediate Attention Required box with a Payroc pricing update

Examples of updates you receive in your statement include:

Pricing changes
Marketing content
Insights reminders
Tax reminders on 1099-K

Summary

The Summary is your sales and returns split by card type.

Summary table with credit sales, returns, and net totals by card type

The Summary includes the following information:

# of Items – Number of sales and returns split by card type.
Credit Sales – Number of sales and amount of sales split by card type.
Returns – Number of returns and amount of returns split by card type.
Net – Total amount of Credit Sales minus Returns.

Merchant Activity

The Merchant Activity is your daily batches and any deductions.

Merchant Activity table listing daily batches by business date, with deductions and net deposit

The Merchant Activity includes the following information:

Label	Description
Business Date	Date of the batch.
Credit Sales	Amount of credit sales and signature debit sales.
Debit Sales	Amount of PIN debit sales.
Returns	Amount of returns.
Holds & Releases	Amount that we withheld for suspicious transactions. We investigate these transactions and temporarily withhold them from your daily sales.
Paid by 3rd Party	Amount from the American Express (Amex) Electronic Statement Account (ESA) program. If you’ve signed up for this direct processing program, Amex processes your transactions and sends the funds to your Amex account.
Holdback	Amount that we withheld for the following reasons: · You have a loan to repay from a cash advance company. You’ve signed up for Autosave or Easy Pay and have instructed us to transfer a percentage of your total sales to an account of your choice. You have a tax lien imposed by the federal authority.
Misc Adjustments	Any miscellaneous fees, for example, chargebacks and equipment purchases.
Fees Paid	Amount of fees you’ve paid throughout the statement month if you’ve signed up for Daily Billing. If you didn’t sign up for Daily Billing, this column displays a value of zero.
Net Deposit	Amount that we send to your bank account.

Interchange Plus Summary

The Interchange Plus Summary is your interchange fees and card association fees split by card brand.

Interchange Plus Summary with interchange fees for Amex and Discover transactions

The Interchange Plus Summary includes the following information:

Label	Description
Interchange Description	Name of the fee.
Count	Number of transactions that the fee applies to.
Volume	Transaction amount that the fee applies to.
Int Rate +	Rate of the interchange fee, for example, a rate of 0.0160 + 0.10 means a rate of 0.0160 plus a fixed fee of $0.10 for each transaction.
Fee	Amount that you pay for the fee.
Subtotals	Total amount of fees you pay to the card brand.

Monthly Recap

The Monthly Recap includes information about the following fees:

Card association fees for credit transactions and signature debit transactions
Payroc fees for credit transactions and signature debit transactions
Miscellaneous fees
RewardPay Choice fees
Consumer Choice fees
Cash Rewards fees

Monthly Recap table listing fees, with total fees, less daily fees, and total merchant processing fees

The Monthly Recap includes the following information:

Label	Description
Description	Name of the fee.
Trans	Number of transactions that the fee applies to.
Per Item	Fixed fee that you pay for each transaction.
Volume	Transaction amount that the fee applies to.
Fee	Amount that you pay for the fee.
Total Fees	Amount of fees for credit transactions and signature debit transactions.
Less Daily Fees	Amount of fees you’ve paid throughout the statement month. This line item appears only if you’ve signed up for Daily Billing.
Total Merchant Processing Fees	Amount of fees we deducted from your bank account for credit transactions and signature debit transactions. This is Total Fees minus Less Daily Fees.

Merchant Fee Recap

The Merchant Fee Recap is your fees for PIN debit transactions.

Merchant Fee Recap for PIN debit/EBT with transaction, network, and cashback fees

The Merchant Fee Recap includes the following information:

Label	Description
Network	Name of the fee, for example: Debit – Total amount of fees for PIN debit transactions. Less Daily Fees – Amount of fees you’ve paid throughout the statement month. This line item appears only if you’ve signed up for Daily Billing.
# of Trans	Number of transactions that the fee applies to.
Trans Fee	Fixed fee that you pay for each transaction.
Trans Fee Total	Amount of transaction fees. This is # of Trans multiplied by Trans Fee.
Network Fees	Fee from the card brand to use their PIN Debit network.
Cash Back Transactions	Amount that you gave to customers as cashback.
Cash Back Fees	Amount of fees for cashback transactions.
Total	Amount that you pay for the fee.
Total Fees	Amount of fees for PIN debit transactions. This is Debit Fees minus Less Daily Fees.
Total Debit Processing Fees	Amount of fees we deducted from your bank account for PIN debit transactions. This is Total Fees minus any applicable fees.

Statement Summary

The Statement Summary is the total amount that we took from your bank account or sent to your bank account.

Statement Summary showing the amount debited from the bank account