01→
Discount rates
Credit, debit, installment & voucher — vs. contract and market average.
01 · Take back control
Every day without an audit is a day paying what you don't owe.
We audit fees, settlements and advances on your card readers. You only pay if we recover.
StoneCieloRedeGetNetPagSeguroSafraPayMercado PagoSumupBinPagBankStoneCieloRedeGetNetPagSeguroSafraPayMercado PagoSumupBinPagBank
The problem
What you don't see is eating your margin.
Your card fees may be charged abusively, above market. Fee on fee, discount on discount, settlement smaller than what was agreed.
01
Inflated fees
Credit and debit charges above contract.
02
Abusive advances
Off-market interest on receivable advances.
03
Fine print
Lack of transparency and hidden clauses.
04
Settlement gaps
Differences in settlement and improper machine rental.
What we audit
We audit every cent that crosses your cash.
Our team analyzes contracts and statements line by line. Companies in every segment uncovered charges they never noticed.
02→
Receivable advances
Recalculation of applied rates and identification of abusive interest.
03→
Machine rental
Improper charges, duplicates, and missed waivers.
04→
Bank settlements
Each settlement reconciled against captured volume.
05→
Operational fees
Monthly fees, MDR and hidden admin charges.
06→
Contracts & riders
Legal review of clauses and triggers that raise your rates.
How it works
From data to recovery, in four steps.
011–2 days
Initial diagnosis
Free review of your scenario and transaction volume.
023–5 days
Statement collection
You sign authorization, we handle the rest.
0310–15 days
Detailed audit
Cross-check of contracts, statements and market rules.
04Variable
Recovery
Direct negotiation or legal action, case by case.
Who audits
Specialists in payments and financial litigation.
Multidisciplinary team — auditors, tax lawyers and payments analysts. Operated under strict confidentiality.
JL
01Jorge Leal
Founding partner · Audit
Lawyer - OAB/PR 39.812
Accountant - CRC/PR 023888/O
AL
02André Leal
Legal Director - Extrajudicial Credit Recovery
Lawyer - OAB/PR 64.074
Indie Expert
Data audit specialist company
FAQ
Before you ask.
The initial diagnosis is R$ 499. Once recoverable amounts are identified, our Audit will perform the recovery service, which works on a success model: You pay according to what we recover for you.
No. The audit is independent. In some cases, contract renegotiation alone fixes the issue.
Acquirer contract, last 60 months of statements, and advance reports. We handle requests with the acquirer.
Diagnosis in 1–2 business days. Full audit takes 10–15 business days.
Yes — Stone, Cielo, Rede, GetNet, PagSeguro, SafraPay, Mercado Pago, Sumup, and others.
We operate under LGPD and an NDA. Data stays in our audited environment.
Take back control
The difference between profit and loss lives in an audit most owners never had the guts to ask for. Do you?
Schedule audit on WhatsApp
Free initial diagnosis · Reply in up to 2 business hours