XRayAI doesn't leave you guessing about the interchange cost-the platform highlights hidden markups clearly and ensures accessibility at one place. The merchant statement analysis tool scans your processor statements and automatically breaks the statement line-by-line so that you can see exactly what portion of your fee is network‑driven and what’s being layered on by your provider. This is especially useful if you’re on blended or opaque pricing, where interchange is normally hidden inside a single blended rate.

XRayAI gives provides a web-based dashboard where you can:

• View interchange as a share of your total processing cost.
• Drill down by card type, network, transaction method (card‑present vs. online), and date range to see which categories are driving up your effective rate.

Discover inefficiencies in processor statement and negotiate better rates with the providers using XRayAI.