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. Try it →
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 Free Trial.

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

Free Trial
Free
No credit card required
Try MerchRater on real merchant statements before committing.
  • Analyze real merchant statements
  • Schedule A cost basis and residual projection
  • Branded merchant proposals
  • Ask PMT for MerchRater help
Start Free Trial
Agent
$39
per month
Everything you need to analyze a statement, price the deal, and send a proposal.
  • Statement analysis and review
  • Multiple Schedule A’s
  • Residual and pricing-room modeling
  • Branded merchant proposals
  • Agent-branded analyzer and lead capture
  • Ask PMT for MerchRater help
Contact Us
Enterprise
Custom
Tailored to your organization
For ISOs and teams running multiple agents against shared cost bases.
  • Everything in Pro
  • Teams, ISOs and sponsored agents
  • Centrally managed Schedule A’s
  • Account controls and admin oversight
  • Portfolio and activity reporting
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 Free Trial

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