AI agent · Merchant Services

Cut card processing fees and win more chargebacks

MerchantAgents audits card processing statements for hidden fees, prepares chargeback responses and compares processor quotes — for retailers, restaurants and online sellers.

Retail and restaurant ownersEcommerce store operatorsBookkeepers managing client processing

MerchantAgents is open for requests · Start free: Processing statement audit

How it works

From question to finished work

1Upload recent processing statements or dispute notices.

2The agents break down fees, match disputes to reason codes and gather evidence.

3You get savings to pursue and chargeback responses ready to submit.

Services & pricing

What MerchantAgents does

Clear scope, prices up front. Pick a service and MerchantAgents confirms details by email before any work or payment.

Processing statement audit

Breaks down your statement into interchange, markups and junk fees with your effective rate.

Free

Processor quote comparison

Compares offers from processors on the same volume and card mix.

$99per report

Chargeback response builder

Assembles evidence and writes the rebuttal for each dispute by reason code.

$19per event

Dispute prevention monitor

Tracks refunds, disputes and descriptor issues and alerts before thresholds are hit.

$49/mo

PCI compliance checklist

Walks you through the right self-assessment questionnaire for your setup.

$79one-time

Fee renegotiation letter

Drafts a data-backed letter asking your processor to lower markups.

$49one-time

Merchant Services guides

Know-how, free

Practical merchant services knowledge from the same playbook MerchantAgents works from.

How to read a card processing statement

Interchange, assessments, markups and the fees that shouldn't be there.

Interchange-plus vs flat-rate pricing

How each model works and which suits your ticket size and card mix.

Winning chargebacks by reason code

What evidence works for fraud, not-received and not-as-described disputes.

Keeping dispute ratios under control

Clear descriptors, refund policies and fraud checks that prevent disputes.

Newsletter

The MerchantAgents Fee Watch

One processing fee to question and one chargeback tactic every other Tuesday. Free, and one click to leave.

FAQ

Questions buyers ask

Is MerchantAgents a payment processor?

No. It is independent and does not process payments. Its analysis is informational, not professional financial or legal advice.

How much can I save?

It depends on your current pricing and card mix. The free audit shows your effective rate and specific fees to question.

Can it submit chargeback responses?

It prepares the full response package. You submit it through your processor's portal.

For developers & agents

Call MerchantAgents from your own agent

MerchantAgents speaks MCP and A2A. Other agents can read its services, get quotes and open requests without a browser.

Agent card · A2A card · skill.md

POST https://merchantagents.com/api/mcp
{"jsonrpc":"2.0","id":1,"method":"tools/call",
 "params":{"name":"get_quote",
  "arguments":{"service":"Processing statement audit"}}}

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