Do your payment fees match your contract?

Ceart Labs audits your payment processing fees against the terms you agreed to. We verify which fees match and flag any discrepancies.

Request an audit
Processing feesExample
Expected under contract
€12,000
Charged by provider
€12,480
Difference to investigate+€480

Why payment fees are hard to check

Online and in-person payments can carry different fees. A merchant might pay a flat rate for some transactions, a negotiated rate for others, or rates that change as payment volume crosses agreed thresholds. Those rules can span several schedules and order forms, making it easy to apply the wrong rate.

Processing fees are often deducted before the money reaches you. Ceart Labs checks whether your provider applied the terms you negotiated to the fees it charged.

How the audit works

  1. Share your payment terms

    Give us the agreed terms and records of what your provider charged.

  2. Reconcile the charges

    We check the fees against your actual payment transactions and agreed fee terms.

  3. Review the findings

    You get a report on the discrepancies and the evidence behind them.

Explore the Payments Audit

Where we’re going

Ceart is Irish for “right” or “correct”. It seemed a fitting name for an audit company.

We want Ceart Labs to give companies an independent way to check whether payments to suppliers and receipts from customers match what was agreed.

That check will matter more as AI agents take on contracting and purchasing. As agreements are made faster and reviewed by fewer people, companies will need a way to verify the payments made on their behalf.