Statement analysis

Read the whole statement, not the rate on the cover.

A merchant statement is designed to be hard to read — the effective rate is buried across a dozen fee lines, qualification categories are abbreviated, and the transactions being overcharged are never labelled as a problem. MerchantScope parses the whole thing: every qualification category, every fee line, and the card-present vs card-not-present split.

What comes back

Every fee line named

Statement fees, PCI and Non-PCI, batch and gateway fees, monthly minimums — itemized so the rep knows real cost from padding.

The qualification breakdown

Which transactions qualified where and which didn't — this is where the money usually is.

The CP/CNP split

The right setup for a 90% keyed merchant is not the right setup for a counter.

A recommendation from your catalog

The actual product you sell, at your pricing, from your own lineup.

Then it becomes a pitch

The parse is the input, not the output. The rep gets a pre-call brief with the recommended setup, the pricing, and the line that beats the incumbent.

Proposals come out in three tiers — Essentials, Recommended, Growth — in two versions: an internal one for the rep with the reasoning and a clean one for the merchant.

Re-running your existing book

Statements already on file surface upsell plays and find Non-PCI charges and mis-qualified fees inside accounts you already own — revenue that doesn't require a new merchant.