Lifted Payments Payment Statement Audit Model

A processor-neutral, machine-readable model for normalizing monthly merchant payment-processing statements without storing cardholder data. Version 1.1.0 adds an explicit gross-settled-purchase-volume and net-processing-fee basis; exact gross-fee and statement-credit reconciliation; Decimal-safe effective-rate and average-ticket calculations; calendar, precision, zero-activity, privacy, size, and depth rules; and complete field and methodology definitions. The release includes a JSON Schema Draft 2020-12 contract, companion Python validator, CSV template, synthetic example, two valid and thirteen deliberately invalid synthetic vectors, a reproducible validation report, exact dependency pins, SHA-256 inventory, and fail-closed publication gate. The packaged validation report passes every expected acceptance and rejection case. This model is a normalization and comparison aid, not an accounting opinion, legal advice, interchange-qualification determination, price quote, or guarantee of savings. Automated screening cannot prove arbitrary notes contain no confidential information; human review remains required before public release. No real merchant or cardholder data is included. Canonical documentation: https://liftedpayments.com/payment-processing-statement-audit/Versioned source: https://github.com/Lifted-Holdings/payment-processing-resources/releases/tag/v1.1.0