Now you have one.
Your processor quietly raises rates, adds mystery fees, and counts on you never noticing. MyCPO watches every statement, catches every change, and tells you exactly what to say to get your money back.
Payment processors are sophisticated businesses. They know most merchants never read their statements closely — and they take advantage of that every single month.
Five pages of line items, technical codes, and obscure fee names. Your processor isn't making it easy on purpose. Most business owners glance at the total and move on.
A $5 fee here. A 0.05% markup increase there. Over 12 months these quiet changes can cost you thousands. By the time you notice, you've already paid.
Even if you spot something wrong, negotiating with your processor is intimidating. They know the industry — and they're counting on you not knowing what a fair rate looks like.
Upload your statement. Get a full expert analysis in 30 seconds. Every month, your MyCPO catches what changed — and tells you what to do about it.
Drag and drop any PDF statement from any processor. We read every line, every fee, every rate.
In about 30 seconds you'll see exactly what you're paying, whether it's fair, and which fees shouldn't be there.
Upload each month and MyCPO automatically flags every new fee, rate increase, or pricing change since last time.
We draft a professional email with your actual numbers that you can send directly to your processor to get fees removed and rates reduced.
Upload any PDF from any processor. MyCPO reads every line, identifies your pricing model, calculates your true effective rate, and flags every fee that shouldn't be there.
Every time you upload a statement, MyCPO automatically compares it to the previous month. New fees, rate increases, pricing model changes — all caught and flagged immediately.
Every analysis generates a professional email you can send directly to your processor. Your actual rates and fees already filled in. One click to copy, one email to send.
When you need someone to actually negotiate on your behalf, we connect you with a payment processing specialist who can handle the conversation for you.
A running timeline of every statement, every rate, every fee — going back as far as you upload. See exactly when things changed and by how much.
Not all high effective rates are your processor's fault. MyCPO separates what you can negotiate from what you can't — so you're never fighting the wrong battle.
A real Chief Payments Officer costs $120,000+ a year. Payment consultants charge $300/hour. MyCPO gives you the same expertise for $10/month.
| MyCPO | Do it yourself | Hire a consultant | |
|---|---|---|---|
| Monthly cost | $10/month | Free (but hours of work) | $300+/hour |
| Statement analyzed in 30 seconds | ✓ | ✗ | ✗ |
| Catches month-over-month changes | ✓ | ✗ | ✓ |
| Negotiation email drafted for you | ✓ | ✗ | ✓ |
| Requires payments expertise | ✓ | Yours needed | ✓ |
| Works at 2am on a Sunday | ✓ | ✓ | ✗ |
"MyCPO found a $45 monthly fee that had been on my statement for eight months. I sent the email, they removed it that week. That's $360 I should never have paid."
"I always assumed my effective rate was just what it was. Turns out my processor had bumped their markup twice in six months and I had no idea. MyCPO caught both."
"The negotiation email alone is worth $10 a month. I sent it word for word. My processor reduced my markup from 0.45% to 0.18% on the first call."
Join MyCPO and get your Chief Payments Officer working on your first statement today.