Win More Deals With 
AI-Powered Statement
 Analysis  and Automatic 
Proposal Generation
Merchant Central (Formerly IRIS CRM)

Win More Deals With
AI-Powered Statement
Analysis and Automatic
Proposal Generation

Analyzing merchant statements manually takes time your team doesn’t have. Fee Navigator automates that analysis, turning hours of work into under five minutes, so your pricing experts skip the data work and go straight to closing.

AI-Powered Statement Analysis 

The Speed of AI. The Judgment of an Expert. 

Manual statement analysis is slow, expertise-dependent and impossible to scale. Every new opportunity means hours

spent extracting data, calculating fees and rebuilding pricing models before your team can put a proposal

in front of a prospect. By the time you’re ready to respond, competitors already have.


Fee Navigator is an AI-powered merchant statement analysis tool that extracts fee data from any processor statement,

structures and categorizes it, and auto-generates a branded pricing proposal in under five minutes.

 
Fee Navigator automates the heavy lift. Your pricing experts get accurate, AI-structured fee data they can price

against immediately. So they spend their time making decisions and closing deals, not preparing data. 

What Fee Navigator Does for Your Team 

  • Process more opportunities without adding headcount
  • Respond to prospects faster with same-day analysis and proposals
  • Eliminate pricing errors that cost deals and erode margin
  • Scale analysis capacity across your full agent force
How It Works

From Statement to Signed Deal

in Under Five Minutes

From Statement to Signed Deal

 
in Under Five Minutes
1. Upload the Statement

Drop in a PDF or scanned statement from any processor or bulk upload an 
entire merchant portfolio to reprice in one pass. Fee Navigator handles virtually any format.
From Statement to Signed Deal

 
in Under Five Minutes
2. AI Extracts and Structures the Data

AI automatically extracts fee line items and structures data across 1,376+ statement types in under five minutes.
From Statement to Signed Deal

 
in Under Five Minutes
3. Fees Are Categorized

Fees are compared against official interchange rates. Fixed costs are separated from processing fees and every line is categorized: interchange, card brand assessments and processor-specific charges. Overcharges, margin opportunities and anomalies are flagged automatically. 
From Statement to Signed Deal

 
in Under Five Minutes
4. Expert Reviews and Verifies

Instead of a 24-hour SLA for manual analysis, AI delivers analysis in under five minutes for your pricing professional to review and confirm accuracy. 
From Statement to Signed Deal

 
in Under Five Minutes
Proposal Generated

A branded proposal auto-generates in your Word or Excel template and is ready to send. 
Key Capabilities

Built to Win More Deals

Statement Analysis in Under Five Minutes

Upload any statement PDF and get a complete analysis in under five minutes, not hours or days.

Structured Fee Data

Compare fees against official interchange rates. Surface margin opportunity and overcharge risk automatically.

Custom Branded Proposals

Auto-generate proposals in your own Word or Excel template in one click. Consistent, margin-aware pricing every time.

Team and Partner Scaling

Handle more opportunities without adding headcount. Extend automation across your full agent force.

Reporting and Audit Trail

Every analysis is recorded per merchant. Exportable outputs support client-facing deliverables and ongoing portfolio reporting.

Before vs. After

Your Workflow, Transformed

Metric
Without Fee Navigator
With Fee Navigator
Statement Analysis
Hours or days per statement
Under five minutes, 24/7
Proposal Generation
Manual, error-prone
Automated and standardized
Pricing Accuracy
Inconsistent across agents
Consistent, margin-aware
Scalability
Every new agent adds manual burden
Scale without adding headcount
Agent Onboarding
Complex, manual training
Standardized, instant
Who It's For

Built for Retail ISOs

Your team has exclusive deal opportunities and the volume to match. The bottleneck is how fast you can analyze statements and get accurate proposals in front of prospects.

Fee Navigator removes that bottleneck. Your existing team processes more opportunities, responds faster and closes more deals without adding headcount or slowing down for manual review.

  • Process more opportunities with the team you already have
  • Turn analysis into a competitive advantage, not a bottleneck
  • Optimize pricing in bulk for your entire portfolio in one pass
  • Respond to prospects before your competitors do
Perfect for Merchant Central Partners

Already on Merchant
Central? Fee Navigator

Fits Right In

If you’re already running your merchant operations through Merchant Central, Fee Navigator adds a capability your team needs without adding a new vendor relationship.

  • Add AI-powered fee analysis to your existing workflow
  • No new platform to learn, no new contract to manage
  • Strengthen retention by identifying margin opportunities across your portfolio
Fee Navigator Revenue Impact Calculator

Calculate Your Revenue Impact


With Fee Navigator

Manual merchant statement analysis is time-consuming and impossible to scale. Use this calculator to estimate the revenue impact
that Fee Navigator delivers your team by automating the analysis workflow.

Without Fee Navigator:

Pricing professionals spend hours per statement extracting data, categorizing fees and rebuilding pricing models manually. As volume grows, so does the gap between what your team can analyze and what the market demands.

With Fee Navigator:

Pricing optimization automates approximately 90% of the workflow. In under five minutes, statements are processed, fee data is structured and proposals are ready to send without manual preparation.

The Revenue Impact

What Fee Navigator Is Worth To Your Team

Average Residual
Yield
per Merchant / Year

Average residual yield per closed merchant ($1,200 - $2,500 range)

Additional Merchants
Closed
Deals / Agent / Month

Additional merchants closed per agent per month via faster, more accurate proposals

Incremental
Revenue
$288,000
Per Year

Incremental revenue for a 10-user sales team at average residual x 2 more deals per month

Testimonial

Fee Navigator has not only significantly minimized the amount of manual 
effort that goes into analyzing and generating a merchant cost comparison but
has also allowed us to offer a robust proposal to present to potential customers.
I have been most pleased with the sheer amount of customizability that Fee Navigator offers – allowing us to tailor our teams structure, our proposal output,
and our ability to apply costs and revenue information down to the last penny. 
This resource has truly been instrumental to our recent successes in this space, and has given us the opportunity to expand our services to our partners.

Jeremy Hamilton , Director, Sales and Implementation, Deluxe

Ready to get started?

Talk to Our

Team

See what Fee Navigator reveals in every statement and start winning more deals with the team you already have.

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