• DISCREPANCIES
  • REPORTS
  • HUMAN
  • ACTION

How to automate merchant statement audits with your AI

Connect Fee Navigator to your AI client once. Your agent then handles the heavy lifting of parsing billing data and spotting errors.

Ask AI about this page

Short answer

How can I use AI to audit my merchant statements?

You upload statements to your agent, which scans every line item for fee discrepancies and hidden costs. You get a structured audit report detailing exactly where you were overcharged.

Audit outcomes

Where your findings land.

The AI processes the raw files and organizes the results into these specific categories.

DISCREPANCIES

Identified fee errors

The AI flags specific line items where the charged amount doesn't match your agreed rates. You get a list of every mismatch found.

REPORTS

Complete audit summaries

The agent compiles all findings into a single, organized report. This gives you a high-level view of total overcharges.

HUMAN

Manual review needed

The AI highlights suspicious patterns that require your eyes to confirm before you dispute them with the processor.

ACTION

Dispute preparation

You receive the exact data points needed to challenge incorrect fees. This makes your conversation with the merchant much easier.

The workflow

What your AI does when the statements arrive.

The AI takes over the tedious task of reading through hundreds of lines of transaction data.

  1. Ingest data

    You provide the raw billing files to your agent so it can begin the review.

    upload_statement

  2. Scan for errors

    The agent looks through every transaction to find hidden fees or incorrect rate applications.

    analyze_statement

  3. Generate findings

    The AI pulls together a formal summary of all identified discrepancies.

    get_audit

  4. Finalize report

    The agent organizes the audit results into a clean format for your review.

    get_audit

Try it

Copy these to start.

Paste these directly into your chat to kick off the process.

Starting points

These are opening lines. Replace the bracketed text with your specific file names or merchant names.

Fee Navigator Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_FUpMWDHafg3Fq9pjEEp4lRdEntZ66362IP5DpUg2/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Fee Navigator capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "fee-navigator-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_FUpMWDHafg3Fq9pjEEp4lRdEntZ66362IP5DpUg2/mcp"
    }
  }
}
Copy into chat04

  • Analyze this merchant statement for any hidden fees: [filename.pdf]

  • Run an audit on my latest statement from [Merchant Name] and list all discrepancies.

  • Check this statement for any rate changes that weren't authorized: [statement_july.csv]

  • Give me a summary of all overcharges found in the uploaded files.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect Fee Navigator once, then ask.

You only need to link the MCP to your client once. Your credentials stay encrypted, and you can immediately start asking your agent to audit files.

Connect Fee Navigator to your AI

FAQ

How this task behaves.

  • 01

    Can the AI automatically dispute the fees for me?

    No. The AI identifies the errors and prepares the data, but you must contact the merchant to handle the actual dispute.

  • 02

    Does the AI change my original statement files?

    No. The AI only reads the data to perform the audit. It cannot modify or overwrite your original documents.

  • 03

    What file types can I use?

    The AI can process standard merchant statement formats like PDF and CSV through the upload tool.

  • 04

    Can the AI find fees that aren't listed on the statement?

    No. The AI can only analyze the data present in the files you provide.

  • 05

    How does the AI know if a fee is 'hidden'?

    The AI compares the line items in your statement against the specific rates and rules you've defined in your instructions.

  • More questions about Fee Navigator? The Connector page answers them. See everything the Fee Navigator Connector can do

Connect Fee Navigator to Claude, Cursor, ChatGPT & more