Fee Navigator MCP. Audit statements and find hidden merchant fees instantly.
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Fee Navigator. Analyze merchant statements, check processing fees, and generate savings proposals directly through your AI agent. This server lets you list merchants, run instant AI analysis on uploads, and track audits to find hidden overcharges in minutes.
What your AI agents can do
Analyze statement
Triggers AI analysis on an uploaded merchant statement to identify potential hidden fees.
Get account info
Retrieves detailed information about the Fee Navigator account.
Get audit
Gets specific details for a single statement audit.
The agent triggers AI analysis on an uploaded merchant statement to find hidden fees.
The agent retrieves a list of all managed merchants and can fetch detailed profiles for specific accounts.
The agent lists and retrieves detailed records of potential savings proposals.
The agent retrieves detailed statements audits to verify processing costs and check for overcharges.
The agent fetches current industry statistics and savings benchmarks to validate sales proposals.
The agent verifies your API token profile and lists recent merchant analysis activities.
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Fee Navigator MCP Server: 12 Tools for Financial Auditing
Use these 12 tools to list merchants, analyze statements, check audits, and pull industry benchmarks directly through your AI agent.
019d7598analyze statement
Triggers AI analysis on an uploaded merchant statement to identify potential hidden fees.
019d7598get account info
Retrieves detailed information about the Fee Navigator account.
019d7598get audit
Gets specific details for a single statement audit.
019d7598get industry stats
Retrieves current industry savings benchmarks for merchant services.
019d7598get me
Gets current API token identity information.
019d7598get merchant
Gets detailed information for a specific managed merchant account.
019d7598get proposal
Gets detailed information for a specific savings proposal.
019d7598list audits
Lists all available statement audits for review.
019d7598list merchants
Lists all merchants connected to your Fee Navigator account.
019d7598list proposals
Lists all generated savings proposals.
019d7598list recent activities
Lists recent merchant analysis activities for tracking.
019d7598upload statement
Uploads a merchant statement file to initiate the analysis process.
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What you can do with this MCP connector
Got a stack of merchant statements and you wanna know where you're losing cash? This Fee Navigator server lets your AI client dig into your whole operation. You can use it to list_merchants to get a roster of every merchant under your account, and then get_merchant pulls up all the specific details for any single one of them.
Need to run a deep dive on a statement? Just upload_statement and the agent triggers analyze_statement to spot those hidden fees you didn't know existed. When you find something, you can list_audits to see every statement audit available, and get_audit grabs the nitty-gritty details on a specific one. You can also check industry standards with get_industry_stats to make sure your savings pitch is airtight.
Want to keep tabs on the money you can save? list_proposals shows you all the savings proposals that got generated, and get_proposal gives you the full breakdown of any specific one. For the day-to-day, list_recent_activities keeps track of what's been analyzed recently. You can always check the whole account status with get_account_info, verify your token identity using get_me, or list_all_available_audits if you need a master list of audit records.
How Fee Navigator MCP Works
- 1 First, subscribe to the Fee Navigator server and input your API Token.
- 2 Next, your AI client calls a tool (e.g.,
analyze_statement) and passes necessary context, like an uploaded file or merchant ID. - 3 The server executes the tool, returning structured data—like potential savings or a list of merchants—which your AI client then uses to answer the user.
The bottom line is that your AI client handles the conversation, and the Fee Navigator server handles the data retrieval and calculation.
Who Is Fee Navigator MCP For?
This is for Merchant Services ISOs and Payment Analysts who deal with high volumes of transaction data. If you spend time manually comparing statements against industry rates or hunting for overcharges in old audits, this saves you hours. It's built for people who need to process data faster than a human can click through a dashboard.
Automates the ingestion and analysis of large batches of merchant statements to accelerate the sales cycle.
Pulls granular fee data and industry benchmarks directly into the AI auditing workflow.
Quickly checks potential savings and proposal status using natural language, especially when out of the office or on a client call.
What Changes When You Connect
- Get instant fee analysis. Instead of manually reading PDF statements, use the
analyze_statementtool. Upload a file, and your agent instantly flags potential hidden fees. - Manage the entire sales cycle. You can list all clients with
list_merchantsand then check potential savings usingget_proposalandget_merchantdata. - Verify charges with audit reports. The
list_auditsandget_audittools let you pull detailed statement audits, verifying processing costs and catching potential overcharges. - Stay current on market rates. Don't guess at savings. Use
get_industry_statsto retrieve real-time industry benchmarks, validating your proposed rates against current market data. - Keep everything in one place. The
list_recent_activitiestool lets you track every statement upload and analysis status without clicking through a separate portal. - Know your account status. The
get_account_infoandget_metools let you verify your API token credentials and view basic account details before starting a complex analysis.
Real-World Use Cases
Finding overlooked fees in old statements
A payment analyst receives a batch of old merchant statements. Instead of downloading and cross-referencing PDFs, they ask their agent to upload_statement and trigger analyze_statement. The agent runs the analysis and reports back specific hidden fees and overcharges, solving the problem in minutes.
Validating a cross-sell pitch
A sales agent is meeting a client. They need to know if a better processing plan is available. They use the agent to get_merchant details and get_industry_stats. The agent combines this data to show the client a precise, data-backed savings proposal, closing the deal faster.
Checking compliance and history
A compliance officer needs to verify the processing costs for a specific merchant account from last quarter. They use list_merchants to find the ID, then call list_audits and get_audit to pull the exact historical data needed for compliance records.
Optimizing the sales pipeline status
A business owner needs an overview of all active savings efforts. They ask the agent to list_proposals and list_recent_activities. The agent compiles a single list of all proposals and the status of the underlying analyses, giving a clear view of the entire pipeline.
The Tradeoffs
Manually comparing rates
Opening a spreadsheet and trying to manually compare the fee structure of ten different merchants against current industry averages.
→
Use get_industry_stats to pull the current benchmark average. Then, run analyze_statement on the merchant data. This combines the external benchmark with the internal statement data instantly.
Forgetting audit details
Thinking that just viewing the statement summary is enough to verify if a charge is correct, missing the fine print on processing fees.
→
Always run list_audits first, then use get_audit with the specific audit ID. This guarantees you see the detailed breakdown of processing costs.
Starting from scratch
Having to manually retrieve a merchant's profile and then separately checking their proposal status, wasting time jumping between systems.
→
First, run get_merchant to pull the core profile data. Then, use get_proposal and list_proposals to see all associated savings opportunities immediately.
When It Fits, When It Doesn't
Use this server if your job requires comparing raw financial data (statements, audits) against external benchmarks and creating actionable proposals. If you need to know how much a merchant is overpaying or what the market average is, this is your tool. Don't use it if your goal is just to read a simple list of names or to manage basic user credentials. For simple list retrieval, use list_merchants or list_proposals directly. If you need to calculate the difference, you need the full suite of tools, especially analyze_statement and get_industry_stats.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Fee Navigator. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
VINKIUS INFRASTRUCTURE
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Zero-Trust Proxy
No stored credentials
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Token Compression
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 12 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Manually compiling merchant financial reports is a nightmare.
Right now, running a full analysis requires downloading statements into a local folder. You open a spreadsheet, pull up the merchant portal, and cross-reference every fee line item. Then you have to log into a separate system just to see if a better deal exists. It's a mess of tabs and copy-pasting.
With the Fee Navigator MCP Server, you just tell your agent to analyze the statements. You upload the file, and the agent runs the AI analysis, flagging hidden fees and overcharges right in the chat. You get the actionable insight, not just the data dump.
Fee Navigator MCP Server: Finding hidden savings in statements.
The most time-consuming parts are retrieving the raw audit data and then comparing those numbers to market standards. You spend time locating the correct audit ID and then manually cross-checking the rate against an industry report.
Now, you tell your agent to compare the data. The agent uses `analyze_statement` and `get_industry_stats` together. It combines the specific statement details with the current market average and tells you the exact dollar amount you can save. It's immediate, and it's accurate.
Common Questions About Fee Navigator MCP
How do I use the analyze_statement tool? +
You must first upload_statement to provide the file. Then, instruct your agent to run the analysis on the uploaded document. The agent will return a report detailing fees and savings potential.
What is the difference between list_audits and get_audit? +
list_audits gives you a list of all available audits with basic info. You need to run get_audit and pass a specific audit ID to pull the full, detailed records for a single audit.
Can I check industry stats with the get_industry_stats tool? +
Yes, the get_industry_stats tool retrieves real-time savings benchmarks. This lets you validate a proposed rate against the current market average, making your sales pitch much stronger.
How do I get a list of all merchants? +
Run the list_merchants tool. This gives you a complete list of every merchant account managed under your Fee Navigator profile.
How do I use the `get_merchant` tool to check specific merchant details? +
You call get_merchant with a merchant ID. This retrieves specific data points—like current processing rates or associated proposals—for one account. It's faster than listing everything and filtering manually.
What does `list_proposals` return, and how do I track them? +
list_proposals gives you a comprehensive list of all savings proposals. Each entry includes a unique proposal ID and the estimated potential savings, letting you track the status of each one.
Can the `analyze_statement` tool handle different file formats? +
The analyze_statement tool accepts uploaded merchant statements. While the primary focus is on standard financial formats, the agent handles common variations to ensure accurate fee identification.
What is the difference between `list_merchants` and `get_account_info`? +
list_merchants provides a directory of all merchants tied to your account. get_account_info gives you the overall details of the Fee Navigator account itself, like billing status or user profile info.
How do I obtain my Fee Navigator API Token? +
You can generate an API Token in your Fee Navigator dashboard under the Developer or Integrations settings tab.
Can I upload statement files directly via chat? +
Yes! Use the upload_statement tool. You can provide the file content as a base64 string, and the agent will handle the ingestion for you.
What kind of savings data does the AI provide? +
The AI analyzes interchange rates, markups, and hidden fees to calculate potential monthly and annual savings for the merchant, which can be retrieved using the analyze_statement tool.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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