I agree with all the posters who correctly noted that nothing in this world is really free. That's just a fact of life. Everybody has to make a buck somewhere? So that said, IF you do lots and lots of volume month in and month out, I can refer you to dozens of processors who would gladly write you with 'no' statement fee. Of course, those people would make their profit on the income generated by your volume. But if you're a merchant who does just a couple thousand a month in volume, then forget it. The processor has to make a profit somewhere, and since it's not going to come from the meager volume, it's necessarily going to come from somewhere else....the rate, the monthly fee, the monthly milnimum, any of a dozen possible add-on fees, whatever. And here is some very good advise for you: When evaluating and comparing processing fee schedules, NEVER get tunnel-visioned on the individual components. The ONLY number that counts is the bottom-line amount number of how much it costs you to process payments, ALL elements considered. I don't care if a system has a $50 monthly statement fee--if it's overall bottom line is lower than the others, than that's the best deal.