The Industry's First Agent Decision Engine

Where Merchant Data Meets Schedule A Economics. Maximize your residual income by analyzing real transaction data against compensation terms — before you sign the deal.

✓ No credit card required · ✓ 10 free analyses · ✓ See results instantly

Built for Your Role

Whether you're closing deals, recruiting talent, or auditing statements, MerchRater gives you the edge.

High-Volume Independent Agents

You manage a diverse portfolio of merchants and need to know which processor relationship is most profitable for each deal.

Compare Schedule A offers side-by-side
Project residuals against real data
Maximize take-home on every deal

ISO Recruitment & Management

Demonstrate the superiority of your Schedule A offers to recruit and retain top-tier agents.

Show agents exactly how much more they earn
Transparent competitive comparison
Recruitment and retention tool

Payment Consultants & Auditors

Audit statements for hidden fees and automate the back-office math of payment consulting.

Automate residual calculations
Reduce manual error and time
Professional audit trail

Powerful Features

Built from the ground up to handle the complexity of merchant services economics.

Schedule A Parsing & Analysis

Automatically extract and normalize complex compensation terms from any Schedule A document. No manual data entry required.

  • Supports all compensation models (revenue share, basis points, flat fees)
  • Handles amendments and addenda automatically
  • Confidence scoring on every extracted field

Residual Projection Engine

Project your actual earnings against real merchant transaction data and card mix. See the true economics before signing.

  • Real-time calculations based on actual volume
  • Accounts for splits, minimums, and tiered structures
  • Transparent breakdown of every component

Multi-Schedule A Comparison

Upload multiple Schedule A offers and see which one generates the highest residual for this specific merchant.

  • Side-by-side comparison with projected outcomes
  • Ranked by agent net compensation
  • Delta analysis showing exact differences

Confidence Scoring & Exceptions

Know exactly how confident we are in every analysis. Automatic flagging of anomalies and missing data.

  • Field-level confidence indicators
  • Exception flagging for review
  • Assumption transparency

How We Compare

Every competitor analyzes merchant costs. Only MerchRater analyzes agent economics.

Feature MerchRater Fee Navigator ISO Amp Rombis
Merchant Statement Parsing
Schedule A Analysis
Multi-Schedule A Comparison
Residual Projection
Agent Compensation Modeling
Confidence Scoring
Processor AgnosticVariesAll types450+

Simple, Transparent Pricing

Start free. Upgrade when MerchRater becomes essential to how you run your business.

Agent

For independent agents

$49/month
Start Free Trial

Everything you need to close deals

  • Unlimited statement analyses
  • Unlimited Schedule A comparisons
  • MerchRater 4-layer calculator
  • Branded merchant intake form
  • Portfolio view of your merchants
  • AI-powered fee categorization
Most Popular

ISO / Team

For ISOs managing agents

$149/month

+ $39/month per agent seat

Start Free Trial

Everything in Agent, plus

  • Team management & agent invites
  • Agent hierarchy & role-based access
  • Residual waterfall & commission tracking
  • Portfolio dashboard across all agents
  • Multi-month merchant trending
  • Merchant pipeline & lead management
  • Admin impersonation & oversight

Enterprise

For large ISOs & custom needs

Custom
Contact Sales

Everything in ISO, plus

  • White-label branding (your domain & colors)
  • API access for integrations
  • Multi-processor residual imports
  • Advanced commission structures
  • Priority support & onboarding
  • Dedicated account manager

Just need a quick analysis?

Pay per statement with no subscription. Buy credit packs and save up to 20%.

$5
per statement
25 for $112
Save 10%
50 for $212
Save 15%
100 for $400
Save 20%
Buy Credits

or start with 10 free analyses

Not sure yet? Start a free trial — analyze up to 10 merchant statements with full access. No credit card required.

Ready to Maximize Your Residuals?

Start your free trial and get instant access to the industry's first agent decision engine. Analyze up to 10 merchant statements free.

✓ 10 free analyses · ✓ See results instantly · ✓ No credit card