AI-Powered Statement Analysis for Payment Agents

Know Your Residual
Before You Pitch

Close More Deals, Faster

Upload a merchant statement or capture a photo in our app. MerchRater analyzes the deal against your Schedule A and shows projected residual, savings, and pricing options in minutes.

No credit card required Mobile statement capture Branded proposals
⚡ MerchRater Residual Calculator
CardConnect IC+
Fiserv Flat
FeeYour Cost   Charge
V/MC Credit %
0.0200.060
V/MC Debit %
0.0200.050
Per-Transaction
$0.03$0.10
Monthly Fee
$10$15
PCI Fee
$8$8
Win-First
Balanced
Profit
Projected Monthly Residual
$312.47
$3,749 / year · 90% split
Agent Charge
$847.20
SA Cost
$500.18
Net Margin
$347.02
Merchant Saves
$412/mo

Solving the Agent's Toughest Challenge

Every payment agent faces the same manual, error-prone process: reviewing complex merchant statements, deciphering fees, and guessing at deal profitability.

Most tools focus only on merchant savings. MerchRater goes further by modeling projected agent compensation based on your actual Schedule A agreements.

We eliminate the guesswork, spreadsheets, and missed opportunities by showing projected residuals, pricing room, merchant savings, and deal economics before you pitch.

From Statement to Proposal

Three quick steps to move from analysis to a branded proposal.

Step 1

Snap or Upload

Upload a statement PDF or capture a photo from our app.

Step 2

Analyze

Apply your Schedule A and see projected residual, margin, and savings.

Step 3

Propose

Choose pricing and generate a branded proposal on the spot.

Close more deals with better pricing decisions.

MerchRater connects statement analysis, Schedule A economics, pricing recommendations, and proposal generation in one agent-focused workflow.

Residual Calculator

Model projected residuals and profitability in real time.

Exclusive

AI Pricing Recommendations

Generate Win-First, Balanced, and Profit-First pricing options.

Exclusive

Schedule A Engine

Use your actual Schedule A as the cost basis for each deal.

Branded Proposals

Create merchant-ready proposals with pricing and savings.

Agent Growth Tools

Expand your reach and automate your workflow.

Custom Landing Pages
Branded pages to attract and convert merchants.
Embedded Savings Forms
Let merchants see savings directly on your site.
API Integration
Connect MerchRater to your CRM or existing systems.

Built for the way payment professionals sell, manage, and grow.

Independent Payment Agents

Know if a merchant is worth pursuing before investing time. Eliminate manual deal math and maximize every opportunity.

ISOs & Management

Gain visibility into your agent team's pipeline and activity. Recruit and retain top talent with stronger compensation modeling.

Payment Consultants & Auditors

Automate residual calculations, reduce errors, and provide professional audit trails for your clients.

Start With a 30-Day Free Trial.

Try MerchRater on real merchant statements before committing. Upgrade when it becomes part of how you price, propose, and close every deal.

30-Day Free Trial
$0
No credit card required
Try MerchRater on real merchant statements before committing.
  • Full platform access
  • Analyze statements
  • Generate proposals
  • No credit card required
Start 30-Day Free Trial
ISO / Team
$149
per month + $39/seat
Team management, multi-user access, advanced reporting, and priority support.
  • Everything in Agent
  • Team management & invites
  • Agent activity dashboard
  • Residual waterfall engine
  • Portfolio analytics
  • Agent impersonation & support
Contact Sales
Get started today

Close the Deal Before
You Leave the Merchant

Analyze the statement, see your projected residual, and generate a proposal while the opportunity is still hot.

→ Start 30-Day Free Trial

No credit card required · Statement analysis · Schedule A-based residual projections