MerchRater — Powered by ASK Pmt

Know Your Residual Before You Pitch

Upload statements and all Schedule A documents, analyze pricing and residuals, get AI-powered recommendations, and generate professional proposals.

  • Save time so you can focus on generating revenue
  • More accurate than using a general AI engine directly
  • Know your residual before presenting a deal
  • Use the mobile app to pitch while at your client’s location
Start Free Trial Watch How It Works

No credit card required. Cancel anytime.

Statement Analysis
Schedule A Intelligence
Residual Calculator
AI Recommendations
Proposal Builder
Multi-Language Proposals
30%+ More Accurate

From Upload to Proposal in Five Simple Steps

One end-to-end workflow: every statement and Schedule A you upload flows straight through analysis, pricing, and recommendations into a proposal you can send.

Upload

Add the merchant statement plus every Schedule A, amendment, and pricing doc.

Analyze

AI extracts volume, fees, card mix, and effective rate — with 30%+ greater accuracy.

Price

Compare schedules and model merchant pricing, impact, and your residual.

Recommend

Get the best-fit Schedule A and pricing recommendation for this merchant.

Propose

Generate a branded, multi-language proposal and share it as a PDF.

Upload→Analyze→Price→Recommend→Propose
Schedule A Pricing Intelligence

Every Schedule A, priced against the merchant in front of you

Upload Schedule A files, amendments, addendums, and pricing docs. MerchRater reads them, compares multiple schedules side by side, and recommends pricing that shows the merchant impact and your estimated residual before you present.

  • Upload Schedule A files, amendments, addendums, and pricing docs
  • Compare multiple schedules against the same statement
  • AI-recommended pricing with editable line items
  • Merchant impact and estimated residual, calculated together
Try the calculator free
app.merchrater.ai / calculator
Residual Calculator screen: pricing mode set to Recommended Pricing, three Schedule A options with one selected, merchant volume and fee figures, a recommended margin of $54.09 per month, and an editable Schedule A pricing table
AI Residual Intelligence

Back-office residual intelligence for your whole portfolio

Bring your residual reports into MerchRater and see the book the way a buyer would: residual by processor and industry, growth and attrition, concentration risk, and the opportunities hiding in pricing gaps and unmatched merchants.

  • Portfolio and residual analysis across every processor
  • Opportunity discovery: rate optimization, unmatched and lost merchants
  • Processor and industry mix, trends, and concentration
  • Pricing gaps connected back to Schedule A intelligence
Explore residual intelligence
app.merchrater.ai / residual-intelligence / portfolio
ASK Pmt Residual Intelligence portfolio analysis: monthly and trailing-twelve-month residual, residual by processor and industry, portfolio health, growth, concentration analysis, attrition, and an opportunities list
Proposal Builder

Proposals that Win More Business

Turn the analysis into a branded proposal in one click. Savings, pricing, and residual carry straight through from the calculator, so what the merchant sees is exactly what you modeled — in the language they read.

  • Branded proposal generation with your logo and message
  • Savings, proposed pricing, and residual carried through from the calculator
  • Multiple languages for the merchant-facing proposal
  • Download as PDF or share a link on the spot
Build your first proposal
app.merchrater.ai / proposals
MerchRater proposal builder: a merchant-facing proposal preview with an advisor message, executive summary, estimated monthly savings and annual impact, current statement figures, plus proposal readiness, custom opening message, and Download PDF and Send Proposal actions

Ready to know your residual before you pitch?

Upload your first statement and Schedule A in minutes. No credit card required.

Start Free Trial
MerchRater Mobile

Close Deals Anywhere with the MerchRater Mobile App

The mobile app lets a rep capture or upload a statement, review pricing and residuals, and pitch while still with the merchant.

  • Capture or upload a statement
  • Instant AI analysis and recommendations
  • Review pricing and residual scenarios
  • Create and share proposals on the spot

Download the app now

Download on theApp Store GET IT ONGoogle Play

Built for every payments professional

The same upload-to-proposal workflow, whether you run one book or a national portfolio.

Agents

Analyze a statement, know your residual, and pitch with a proposal in minutes.

ISOs

Standardize pricing across every agent and see residual opportunity across the portfolio.

Processors

Equip your channel with Schedule A intelligence built on your programs.

Enterprises

Enterprise-ready controls, branding, and reporting for large sales organizations.

Know the numbers before you walk in

Example testimonials — generic role attribution, no specific customer or company implied.

I used to spend an evening on every statement. Now the analysis is done before my coffee is, and the time goes back into prospecting.

Independent AgentExample attribution · Retail & restaurant merchants

Seeing my residual on each Schedule A before I pitch changed how I price. I stopped guessing and started choosing the deal that works for both of us.

ISO Sales ManagerExample attribution · Multi-agent team

Merchants respond to a proposal that shows their savings in their own numbers. Our close rate went up the month we started sending them.

Regional Sales DirectorExample attribution · Processor channel

Analyzes statements and Schedule A documents from

globalpayments
fiserv.
TSYS
ELAVON
worldpay
& more

Turn statements and Schedule A documents into opportunities.

Upload, analyze, price, recommend, and propose — and know your residual before you pitch.

Start Your Free Trial

No credit card required · Cancel anytime