weAudit is America’s #1 Credit Card Processing Auditing Firm. We read merchant statements for a living, on the merchant’s side of the table, for a low fixed monthly fee and never a percentage. The Processor Scoreboard applies what we see in that work to the public record: government actions, court filings, Better Business Bureau files including companies’ own responses, review platforms, and independent published analysis. Where our own anonymized audit casework informs a score, it is labeled as exactly that.

What governments, card networks, and courts have documented about the company’s merchant processing business. Federal enforcement (FTC, CFPB, and similar) carries up to 8 points; state attorney general actions up to 6; merchant class actions and comparable major litigation up to 6; card network fines and sanctions up to 5. Recent, larger, and merchant-facing matters weigh heaviest. Allegations are reported as allegations; settlements are not treated as admissions; and matters outside the merchant business are displayed rather than scored under Rule 2 below.

What the paper does to the merchant. Junk and undisclosed fees carry up to 7 points; documented rate escalation up to 6; termination fees and liquidated damages up to 6; renewal, cancellation-process, and equipment-lease terms up to 6. Documented specimens, a coded fee on a real statement, a termination charge above the contract’s own number, billing that survives a documented cancellation, drive the deductions, and the sources are linked beside each finding.

The merchant record at scale, normalized for company size under Rule 3. Complaint volume relative to merchant base carries up to 6 points; the breadth and severity of documented themes up to 6; fund-hold conduct up to 4; and resolution quality, whether the company responds, explains, and makes merchants whole, up to 4. A company can be enormous and still score well here. A company can also host the evidence against itself, and we score what the record shows wherever it lives.

Whether a merchant can know what they’re paying and who they’re paying it to. Pricing disclosure carries up to 5 points; ownership and financial disclosure up to 4; leadership communications up to 3; and organizational stability up to 3. Statement-level opacity, coded line items, invisible wholesale costs, descriptors that defeat professional bookkeepers, is scored here under Rules 4 and 5, alongside undisclosed risk criteria that govern access to a merchant’s own funds.

How the company reaches merchants and what happens on the way in. Documented misrepresentation carries up to 6 points; employee and sales-representative testimony up to 5; and channel structure and oversight, ISO networks, sub-resellers, embedded and captive distribution, post-sale underwriting, up to 4. Companies with no commissioned sales force are credited for the abuse category they eliminated and scored on the ones their model creates.

The weAudit Score runs 0 to 100. There are no letter grades and no curves. The bands below do the interpreting, and note where the condemnation begins: a score in the 60s is not a passing grade on this board.

These rules were forged across the series and are binding on every rating, including future ones. Where a rule was established on a specific profile, the profiles cross-reference each other so readers can verify we apply it evenly.

It is not legal, financial, or professional advice, and it is not a prediction of your individual experience: terms vary by channel, agent, and negotiation, sometimes wildly within the same company, and several profiles document exactly that. It is not an adjudication: courts decide liability; we report records. And it is not permanent: companies change, records grow, and scores move with the documented evidence, in both directions. When a company corrects documented conduct, the score will say so.