From merchant statement to winning proposal.
See what a merchant pays today, test an offer against your buy rates, and give your agent a proposal they can take to the next meeting.
Find the fees driving processing costs.
Start with the sales and transaction counts behind the fees. On an interchange-plus statement, separate interchange and network assessments from processor markup, per-item charges, and account fees. That tells you which part of the merchant’s cost you can reprice.
If an interchange line looks high, check the card category and how the transaction qualified. A downgrade and a processor charge added to interchange can look similar on a statement. They call for different conversations with the merchant.
Statement analysisCurrent processing costs
ABC Wholesale · one-month statementSummary by Card Type
| Card Type | Total Gross Sales | Refunds | Net Sales | Surcharges | Discount | Fees | ||||
|---|---|---|---|---|---|---|---|---|---|---|
| Count | Amount | Count | Amount | Count | Amount | Count | Amount | |||
| Visa | 405 | $40,500 | 5 | $500 | 400 | $40,000 | 0 | $0 | $800 | $1,100 |
| Mastercard | 305 | $30,500 | 5 | $500 | 300 | $30,000 | 0 | $0 | $650 | $850 |
| Amex | 100 | $10,000 | 0 | $0 | 100 | $10,000 | 0 | $0 | $300 | $400 |
| Discover | 100 | $10,000 | 0 | $0 | 100 | $10,000 | 0 | $0 | $200 | $300 |
| Debit | 100 | $10,000 | 0 | $0 | 100 | $10,000 | 0 | $0 | $50 | $100 |
| Account & Other | Monthly and service fees | $250 | ||||||||
| Total | 1,010 | $101,000 | 10 | $1,000 | 1,000 | $100,000 | 0 | $0 | $2,000 | $3,000 |
Illustrative example · annualized figures assume 12 identical months. Discount is included in fees, not added to them.
Intuitive pricing controls.
Set the buy rates and revenue share for the account, then use the slider to compare offers against the merchant’s statement. You can see the merchant’s estimated savings, the gross margin on the account, and the portion your team would retain.
When a merchant asks you to match another offer, check the per-item and monthly fees alongside the quoted markup. Run both offers against the same sales and transaction counts before deciding how much margin to give up.
Per-item sell = buy + $0.05. Monthly fee & revenue share come from Profitability Settings.
$300 /mo
80% share of margin
Illustrative example · static product preview, not a live quote.
Set rates by card type.
Set the percentage markup and per-item fee separately for Visa, Mastercard, Discover, Amex, and debit. Compare each sell rate with its buy rate before applying it to the merchant’s actual card mix.
Look at where the transactions are as well as where the dollars are. Debit can account for a modest share of sales and a large share of authorizations. A per-item concession on that row can cost the ISO more than the sales volume alone suggests.
| Priced As | Type | Sell % | Sell / item | Buy % | Buy / item |
|---|---|---|---|---|---|
| Visa | IC+ markup ▾ | 0.20 | 0.10 | 0.03 | 0.02 |
| Mastercard | IC+ markup ▾ | 0.25 | 0.10 | 0.04 | 0.02 |
| Discover | IC+ markup ▾ | 0.30 | 0.10 | 0.05 | 0.02 |
| Amex | IC+ markup ▾ | 0.40 | 0.12 | 0.10 | 0.05 |
| Debit | IC+ markup ▾ | 0.10 | 0.05 | 0.01 | 0.01 |
Set rates separately for each card type. Rates are % of volume; per-item amounts are in dollars.
Separate illustrative pricing scenario · $2,250 pass-through costs plus $150 in monthly fees. Static preview, not a live quote.
Give the merchant a proposal that wins.
Give the merchant a side-by-side comparison built from the same statement period. Show what they paid, what the proposed terms would have cost on that activity, and which fees account for the difference. Keep buy rates and the ISO’s projected margin in the internal review.
Lead the conversation with savings the quoted terms support. A lower processor markup can be priced from the statement. If further savings depend on qualifying commercial transactions at a different interchange category, explain what the merchant would need to change.
Watch the product demo →Cost Savings Analysis
ABC WholesaleCurrent Provider
- Current effective rate of 3.00%
- $3,000 in monthly processing costs
- Processor and account fees reviewed
3-year savings
Proposed Program
- Lower processor markup: $200 /mo less
- Reduced account fees: $100 /mo less
- Total estimated savings: $300 /mo
Cost Savings Breakdown
Fee Breakdown
Effective Rate
Monthly Fees
Cost Reduction Drivers
- Lower processor markup: $200 /mo less
- Reduced account fees: $100 /mo less
- Total estimated savings: $300 /mo
Monthly Cost Breakdown
| Cost Description | Cost Allocation | $ Sales / # Item Count | Previous Plan | Proposed Pricing | Proposed Plan | Savings |
|---|---|---|---|---|---|---|
| Interchange | $2,000 | $2,000 | $0 | |||
| Dues & Assessments | $250 | $250 | $0 | |||
| Processor Charges | $500 | $300 | $200 | |||
| Account & Other Charges | $250 | $150 | $100 | |||
| Total Monthly Fees | $3,000 | $2,700 | $300 | |||
Illustrative example · simplified figures · not a live quote.
Review more statements in one pass.
Upload statements in batches so your team spends less time setting up individual reviews and more time pricing accounts.
Multi-location merchants
Review stores on the same processing terms together. Keep locations with different agreements separate when you prepare the quote.
Portfolio reviews
Work through groups of merchant statements to find accounts worth a closer look. Use each merchant’s fees and volumes to guide the follow-up.
Seasonal accounts
Analyze peak and off-season months together so a single month doesn’t set the assumptions for the proposal.
Did the merchant get the pricing you quoted?
When the first full statement arrives, an ISO can use StatementAI to check the processor’s charges against the merchant’s signed pricing schedule.
Match the account.
Confirm the merchant ID, location, and pricing effective date. Upload the statement and use the fee breakdown to identify the markup, per-item fees, and recurring charges.
Check the math.
A merchant agreed to $0.10 per authorization. For 1,500 billable authorizations, the charge should be $150. A $180 charge points to a $0.12 rate and a $30 difference to investigate.
Verify the correction.
Ask operations to check the rate on the processor’s boarding record. If it was entered incorrectly, request the adjustment and confirm the corrected rate and any credit due on the next statement.
Make statement analysis part of your sales workflow.
Give the teams using your CRM, merchant onboarding platform, or payments software a clearer path from statement intake to a competitive offer. Use API access to bring StatementAI into the workflow where agents qualify opportunities, price accounts, and prepare merchants for enrollment.
Start with the opportunity.
Plan statement intake around the merchant record in your platform. Account for multiple statements, locations, and the sales team responsible for the relationship.
Put the fees behind the quote.
Bring current processing costs, interchange detail, and proposed pricing into the sales conversation. Give agents the information they need to explain savings and evaluate the economics of an offer.
Prepare the enrollment handoff.
Define how the merchant proposal and agreed pricing should move into your onboarding process. Map the fields your team needs to carry the offer from the opportunity to account setup.
Build around your platform.
Work with our team to scope API access, statement volume, user permissions, and the data your CRM or enrollment workflow needs. Enterprise plans include API and CRM integration options.
Protected information.
Merchant statements contain sensitive business information. StatementAI uses encryption, access controls, and security monitoring to protect that information throughout the analysis process.
Encrypted in transit and at rest
Encrypted connections protect data as it moves to and from StatementAI. Stored data is encrypted within our secure cloud infrastructure.
Access based on role
Role-based access controls help manage who can work with merchant information across your organization.
Security monitoring
Our cloud infrastructure includes security monitoring to help protect the environment where statements are processed.
Your merchant relationships stay yours.
StatementAI is an independent analysis platform. Your statements and opportunities support your sales process, and we do not harvest your leads.
Bring a statement. The analysis is on us.
See how StatementAI handles an account you’re working on. Bring a statement and we’ll help you turn it into a competitive offer.