# Fee Navigator MCP > 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. ## Overview - **Category:** data-analytics - **Price:** Free - **Tags:** merchant-services, fee-analysis, cost-optimization, financial-auditing, proposal-management ## Description 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. ## Tools ### 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. ### 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. ## Prompt Examples **Prompt:** ``` List all active merchants in my account. ``` **Response:** ``` I've retrieved your merchants. You have 15 active accounts including 'Joe's Coffee' (ID: m_123) and 'Tech Haven' (ID: m_456). Would you like to see the latest analysis status for joe's Coffee? ``` **Prompt:** ``` Show me the potential savings for proposal P-789. ``` **Response:** ``` Inspecting proposal P-789... Based on the latest statement analysis, the merchant can save approximately $450 per month by switching to your recommended interchange-plus plan. ``` **Prompt:** ``` Check the current industry savings benchmarks. ``` **Response:** ``` Retrieving industry stats... Current data shows an average savings of 18.5% across the retail sector and 22% for hospitality merchants when optimizing processing fees. ``` ## Capabilities ### Process raw statements Upload an uploaded statement and trigger an AI analysis that pinpoints hidden or incorrect fees. ### Audit processing costs Access detailed, historical records to verify exactly what was charged for processing services. ### Check merchant profiles List all managed merchants and grab their current payment processing details in one query. ### Generate savings proposals View, inspect, and track the status of existing cost-saving recommendations for clients. ### Compare market rates Pull real-time industry statistics to validate if a client's current fees are standard or inflated. ## Use Cases ### 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. ## Benefits - 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. ## How It Works The bottom line is, you talk to your AI client like a teammate and get back verifiable financial data instantly. 1. First, you subscribe to this MCP and provide your Fee Navigator API Token. This token is found in the Developer Settings. 2. Next, you ask your AI client a question—for example, 'Analyze this statement' or 'What are our current fees for Merchant X?' 3. The agent sends the request through the connection; it returns structured data regarding savings potential, audit details, or merchant profiles. ## Frequently Asked Questions **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.