Should I just refuse to pay the statement fee?

No — but ask for it to be removed. Most processors will drop it on request.

Why do processors still charge statement fees?

Inertia and margin. It's a holdover from the paper-statement era that legacy ISOs leave on by default because most merchants never notice the line item.

MerchantRateCheck

Negotiable

$0 to $10/month

Statement Fee

A small monthly fee ($5–$10) for receiving your processing statement. Almost pure padding — universally negotiable down or off.

Statement fees are a holdover from when processors physically mailed paper statements. In 2026, when statements are PDF downloads, charging $5–$10/mo for one is almost pure padding. Most ISOs charge them anyway because most merchants don't notice.

Ask your rep to remove the statement fee. Modern processors (Helcim, Dharma, Stax, National Processing) don't charge one to begin with. Legacy ISOs will usually drop it on request.

Who charges it

Most legacy ISOs and bank programs.

Typical range

$0 to $10/month

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Industries most affected

Retail Store Restaurant Auto Repair Shop