Know the play before you dial.
Your rep uploads a statement. About 25 seconds later, MerchantScope hands them the exact pitch — pricing, margin, competitive intel — scored against your catalog only.
~25s
Parse time
47
Processors
23%
Close lift
↓ Next: the six stages that turn a statement into that pitch.
THE WORKFLOW
A statement goes in. A sales plan comes out.
PDF in · six stages · one call-ready play — before the rep dials.
STAGE 01 · STATEMENT INGESTION · ANALYSIS
RAW STATEMENT · AS PRINTED · PAGE 3 OF 7
CARD COST · 5 LINES
FIXED & JUNK · 8 LINES
PARSED RESULT
OCR + line-item parse of every fee line.
STAGE 02 · IDENTITY RESOLUTION · ANALYSIS
"SBG FOODS LLC" → "Sunrise Burgers"
match 98SAMPLE MERCHANTINTERCHANGE CATEGORIES · WHAT THE PROCESSOR ALREADY DECIDED · 100% OF CARD COST · $5,650.38
The categories on the statement are a classification the processor already made — and already priced. They're evidence about the business before any lookup runs.
EVERYTHING THE STATEMENT GIVES YOU
RESOLVED · ADDRESS FIRST
Sunrise Burgers — 4127 W Cactus Rd
sunriseburgers.com
(602) 555-0148
2 under one legal entity
10:00-23:00 daily · drive-thru
STAGE 03 · VERTICAL CLASSIFICATION · ANALYSIS
WEBSITE READ · SUNRISEBURGERS.COM · THE RICHEST SIGNAL
"Order ahead"
→ an online-ordering module
"Drive-thru open till 11"
→ a second lane — and late-night volume
"Catering trays — 12 to 40 people"
→ an invoiced B2B line — a Level II cross-sell
"Now hiring — second location"
→ expansion — a second merchant account is coming
GOOGLE PLACES · CATEGORY TREE
4.3 ★ · 812 reviews · price level $
PRINTED MCC
5812 · Eating places
The weakest of the four signals — set once at boarding, almost never revisited.
SIGNAL WEIGHTING · HOW DISAGREEMENT RESOLVES
All four agree here. When they disagree, the fee lines win — they're the only signal the processor has already priced.
STAGE 04 · INTERCHANGE CONFIRMATION · ANALYSIS
The vertical read from the fee lines themselves (CPS/Restaurant, small-ticket quals), cross-checked against MCC, avg ticket, CP/CNP.
THE CROSS-CHECK
WHAT THE FEES GIVE UP
sub-$15 tickets falling out of small-ticket qualification
leased legacy countertop terminals — $3,204/yr, and they never own them
gateway, PCI program, PCI non-compliance, regulatory, wireless data, statement, batch
= $5,090/yr in fees that aren't interchange.
Industry detection from the fees themselves — a fallback nobody else runs. When Places and the web come up empty, the fee lines become the primary path.
STAGE 05 · ENGINE
INPUT · THIS ISO'S CATALOG
your products, your pricing.
Restaurant/QSR
"Clover Station Duo + kitchen printer, online-ordering & tip module"
Retail/grocery
"Countertop POS + inventory ISV, EBT & loyalty"
Medical/dental
"Practice-mgmt integration, card-on-file recurring"
B2B/wholesale
"Level II/III gateway + e-invoicing"
OUTPUT · SCORED AGAINST THIS CATALOG
47 catalog SKUs evaluated · 4 verticals loaded · 1 gap routed to partner referral.
The vertical picks the stack — each industry loads different ISVs, gateways, and invoicing tools, priced from the catalog. Human-signed-off, re-runs every vertical when the catalog changes; gaps route to a partner referral.
STAGE 06 · THE PAYOFF
Clover QSR stack
stack fit 96EQUIPMENT + SOFTWARE
MERCHANT ACCOUNT · REPRICED
"You're paying small-ticket downgrades on every sub-$15 sale — Clover's QSR program stops that."
OBJECTION HANDLING
"We're mid-lease on the terminals."
Buyout is $1,068 — the downgrade fix alone returns $710.96/mo. Paid back inside two months.
"Send me a rate sheet."
There isn't one. This is priced off their December statement — lead with the $710.96 line.
"We're happy with our processor."
Not the question — ask why they're paying non-qual on every sub-$15 ticket when their MCC qualifies for small-ticket.
Don't quote a headline rate — at a $12.15 average ticket the per-item is what moves the bill. 8¢ vs 10¢ is $364/mo.
CLOSE PROB
71%
read directly off the statement's downgrades.
↓ Next: the brief itself — the exact screen stage 06 hands your rep.
THE DASHBOARD
What your rep sees
Stage 06’s hand-off, rendered live: one uploaded statement — an independent grocery & cafeteria on locked hardware at a 5.20% blended rate. Name withheld; the numbers are real. This is the brief the rep walks in with.
↓ Next: the machinery under that brief, piece by piece.
PRODUCT
Built for the modern sales floor
Which setup fits which business — and at what price — usually lives in a few senior heads. MerchantScope turns it into an engine every rep on the floor can run.
Statement OCR Engine
Line-item parse of the entire statement — qualification categories, average ticket, CP/CNP mix, junk fees. The full processing picture, not a rate summary.
Four-Signal Industry ID
Business name and address, website read, printed MCC, and the interchange lines themselves — a fee-based fallback nobody else runs. A confirmed vertical, not a guess.
Living Product-Fit Matrix
Human-signed-off, with pricing in every cell. Change a product or price and every industry re-runs automatically — your uploads override the crawl wherever they conflict.
Coach-Grade Output
Never just a product name. An exact setup with a number on it, plus talking points, objection handling, and the addressable fees — like lapsed PCI — read off the statement itself.
Mine Your Existing Book
Re-run the statements you already have on file. Surfaces upsell plays and Non-PCI or mis-qualified fees sitting in your current merchant base.
Client-Ready Proposals
Every play exports as a tiered proposal — Essentials, Recommended, Growth — priced from your catalog, with an internal version for the rep and a clean one for the merchant.
↓ Next: the catalog all of it prices from — yours.
ISO CATALOG
Load your catalog once. Reps quote only what you carry.
The multi-tenant product layer of MerchantScope. Every recommendation your reps see is assembled only from the products you sell — at your pricing — with a gap report wherever you don't have a fit.
"MerchantScope never recommends a product you don't carry."
↓ Next: what it costs.
PRICING
Pricing that fits your org.
Every deployment is scoped to org size — your catalog, statement volume, and reps on the floor. Contact us to discuss pricing, or book a demo and we'll walk through your numbers.
WHAT SCOPES A DEPLOYMENT
Catalog size
Products and verticals covered, plus any house gateways or custom offerings.
Statement volume
Statements your team runs through analysis each month.
Reps on the floor
A seat per rep, plus managers who need the internal proposal view.
WHAT EVERY DEPLOYMENT INCLUDES
The full line-item statement parse — about 25 seconds per statement.
Recommendations assembled only from your catalog, at your pricing — each catalog fully isolated.
Tiered proposals — Essentials, Recommended, Growth — an internal version for the rep, a clean one for the merchant.
Re-runs of statements already on file, surfacing upsell plays in the existing book.
A human-signed-off product-fit matrix that re-runs every affected vertical when the catalog changes.
Gaps route to a partner referral where the ISO has no fit.