A quoted rate tells you almost nothing. Your statement tells you what you actually paid, and which part of it anybody could have changed.
Cost follows structure. In jewelry, diamonds & precious metals the shape of the flow decides most of what you pay, before anyone negotiates a rate.
AVS · CVV · 3-D Secure · Device
Manual Review Thresholds
Insured Shipment · Signature
We read the statement and separate what the card networks set — which nobody discounts — from what your processor charges, which is the part anyone can actually move. Then we tell you which it is, including when the answer is that your current deal is already keen.
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