Fee Navigator MCP for AI. Automate Merchant Statement Audits and Savings Proposals
Works with every AI agent you already use
…and any MCP-compatible client








Connect to your AI in seconds.
Fee Navigator analyzes merchant bank statements through natural conversation. It lets you automatically spot hidden fees, compare costs against industry benchmarks, and manage your entire proposal audit pipeline without leaving your chat window.
What your AI can do
Analyze statement
Triggers an AI analysis on a statement you upload to identify hidden fees.
Get account info
Retrieves the core account details for your Fee Navigator setup.
Get audit
Pulls specific, detailed information about a historical statement audit.
Upload an uploaded statement and trigger an AI analysis that pinpoints hidden or incorrect fees.
Access detailed, historical records to verify exactly what was charged for processing services.
List all managed merchants and grab their current payment processing details in one query.
View, inspect, and track the status of existing cost-saving recommendations for clients.
Pull real-time industry statistics to validate if a client's current fees are standard or inflated.
Ask an AI about this
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Fee Navigator: 12 Tools for Financial Auditing
These twelve tools allow you to manage every step of the payment audit process. They let you list merchants, analyze statements, and pull historical financial data.
Make your AI actually useful.
Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Fee Navigator on VinkiusAnalyze Statement
Triggers an AI analysis on a statement you upload to identify hidden fees.
Get Account Info
Retrieves the core account details for your Fee Navigator setup.
Get Audit
Pulls specific, detailed information about a historical statement audit.
Get Industry Stats
Retrieves current industry average savings benchmarks for merchant services.
Get Me
Checks your API token identity and profile details within the system.
Get Merchant
Gets a detailed profile for any specific merchant in your account.
Get Proposal
Retrieves all the specifics and status of one particular savings proposal.
List Audits
Lists every statement audit record available in your system for review.
List Merchants
Generates a list of all merchants currently managed under your account.
List Proposals
Lists all active and pending savings proposals you have created or tracked.
List Recent Activities
Shows a history of the most recent analysis actions taken across your account.
Upload Statement
Uploads a merchant statement file to prepare it for detailed fee analysis.
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Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
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Make Your AI Do More
Start with Fee Navigator, then connect any of our 5,100+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 5,100+ others, all in one place
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- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog every week
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.
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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 connection provides 12 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.
Dealing with Merchant Statements Is Not Simple Copy-Pasting
Right now, figuring out fees means downloading a PDF from the bank portal. You open it in Excel, copy specific line items into another sheet for comparison, and then you have to manually check that against industry rates found on a separate website. It's slow, tedious, and one typo means your whole audit is wrong.
With this MCP, you just upload the statement file and talk to your agent about what you need. The agent does the cross-referencing and analysis behind the scenes. You get instant, structured data that points directly to potential savings or overcharges.
Getting a Full Picture with Fee Navigator
Before this MCP, you had to check five separate places: the statement, the proposal tracking system, the merchant profile database, the audit log, and an external rate checker. You spent hours jumping between tabs just to validate one claim.
Now, your agent manages all that data flow for you. It connects everything—from `list_merchants` profiles to analyzing a specific file using `analyze_statement`. The entire process is conversational. That's the difference.
What your AI can actually do with this
Connect this MCP to your preferred AI client for full control over merchant statement analysis and cost auditing. You feed it raw transaction data and talk to it about savings potential. It reads the statements, identifies processing discrepancies, and pulls in real-time industry statistics so you can validate any proposed fee structure instantly.
Forget logging into separate portals just to check an audit trail; everything flows through your agent. Because Vinkius hosts this MCP, your client gets immediate access to all the tools needed—from listing every managed merchant profile to generating detailed reports on potential overcharges. This makes it a single source of truth for payment analytics.
019d7598-11ce-7277-88eb-e945bcf49a2c Here's how it actually works
The bottom line is, you talk to your AI client like a teammate and get back verifiable financial data instantly.
First, you subscribe to this MCP and provide your Fee Navigator API Token. This token is found in the Developer Settings.
Next, you ask your AI client a question—for example, 'Analyze this statement' or 'What are our current fees for Merchant X?'
The agent sends the request through the connection; it returns structured data regarding savings potential, audit details, or merchant profiles.
Who is this actually for?
This MCP is for payment analysts stuck in spreadsheets, sales agents who need instant credibility on the go, and ISOs automating the merchant onboarding cycle. If your job involves comparing raw bank data to industry standards, this saves hours of clicking.
Needs to pull granular fee data from multiple sources and cross-reference it against industry benchmarks to build a full auditing report.
Must ingest, analyze, and automate the review of dozens of client statements to speed up the entire sales cycle.
Needs a quick way to check potential savings or proposal status for a prospect without having to manually pull data from a dashboard.
What Changes When You Connect
Audit discrepancies instantly. After using upload_statement followed by analyze_statement, you get an immediate report on hidden fees, cutting down audit time from days to minutes.
Validate your pitch with market data. Use get_industry_stats to pull current benchmarks, giving you hard numbers when comparing a client's fees against the norm.
Keep track of everything in one place. Listing all proposals via list_proposals lets you see the status and potential savings for every single client without opening a CRM.
Get full visibility on your roster. Running list_merchants gives you an immediate overview, while get_merchant deep-dives into any specific account's processing metadata.
Track historical issues easily. You can use list_audits to view all past audit records and then call get_audit for the granular details on a single transaction set.
See it in action
Client requires an immediate fee check.
A sales agent gets a raw statement from a prospect. Instead of asking them to send it to their back office, the agent uploads the document using upload_statement. Your agent runs analyze_statement and returns a clear summary showing exactly where they are overcharged.
Quarterly compliance audit needed.
A payment analyst needs to check if all 15 managed merchants were billed correctly. They use list_merchants, then iterate through the list, calling get_merchant for each one, and finally running list_audits to verify historical charges.
Pitching a new Interchange-Plus plan.
A representative wants to show value. They first check current market rates using get_industry_stats. Then they use list_proposals to pull up existing work, showing the client that their proposed savings are validated by both industry data and their own account history.
Finding the source of a billing error.
An auditor needs proof of processing costs from last quarter. They use list_audits to find the date range, then call get_audit with the specific ID. This immediately verifies if overcharges happened and documents the cost breakdown.
The honest tradeoffs
Treating it like a simple data dump.
The user just calls list_merchants but doesn't ask the agent to cross-reference that list with recent activity. The output is just names and IDs, useless for auditing.
First, call list_merchants. Then, pass those resulting merchant IDs into a subsequent prompt asking your agent to run get_merchant on all of them. This ties the roster data directly to actionable metadata.
Manual proposal tracking.
The user manually tracks savings proposals in a spreadsheet, leading to outdated or missed follow-ups because they don't know if the status was updated.
Instead of spreadsheets, use list_proposals to see every active deal. If you need details on one specific proposal, call get_proposal. This keeps your pipeline source-of-truth right in the MCP.
Overloading a single prompt.
The user tries to ask for merchant data, industry stats, and an audit all at once. The agent gets confused and provides fragmented information.
Break it into steps. Start by running get_industry_stats to set the context. Then, run list_merchants. Finally, use that list to prompt for specific data using get_merchant.
When It Fits, When It Doesn't
Use this MCP if your workflow requires synthesizing disparate financial records—specifically comparing raw statement charges against industry averages and current account metadata. You need auditability: the ability to pull a record of why a fee was charged or how much it should have been. Don't use it if you just need general CRM tasks, like sending messages or updating contact information; those are better handled by dedicated communication tools. If your primary goal is simply listing contacts, stick with a standard directory tool. But if the core problem is 'How did we get billed for this?', then Fee Navigator is what you need.
Questions you might have
How do I start an audit with Fee Navigator MCP? +
You first upload your statement using upload_statement. Then, prompt your agent to run analyze_statement on that file. This will initiate the fee breakdown and potential savings report.
Can I check a merchant's current details with Fee Navigator MCP? +
Yes. You can list all merchants using list_merchants, or if you know the specific ID, call get_merchant for their detailed profile and processing metadata.
What is the best way to track proposals in Fee Navigator MCP? +
Use the agent's built-in tools. You can see all outstanding deals by calling list_proposals, or drill down into a specific deal using get_proposal.
Does Fee Navigator MCP compare my fees to industry averages? +
Yes, you run the get_industry_stats tool. This pulls real-time data that lets your agent validate if a client's current rates are normal or inflated.
How do I verify my credentials using the get_me tool in Fee Navigator MCP? +
You run get_me to confirm your API token is active and linked correctly. This call returns your account details, confirming that your connection is live before you start analyzing statements or pulling data.
What steps are needed to analyze an uploaded document using upload_statement and analyze_statement? +
First, use upload_statement to put the merchant statement into the system. Once it's successfully uploaded, you run analyze_statement; this triggers the AI analysis against the data you just provided.
How can I check the activity history using list_recent_activities in Fee Navigator MCP? +
list_recent_activities gives you a chronological log of all your merchant analyses. It's useful for quickly reviewing who was analyzed and when, which helps track workflow progress.
Can Fee Navigator MCP list all my managed accounts using list_merchants for bulk processing? +
Yes, you use list_merchants to get a comprehensive roster of every account in your system. This output is critical if you need to feed multiple merchant IDs into other tools or workflows.
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.
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