// THE_TOOLKIT

THE TOOLKIT

Ten purpose-built AI agents and utilities across the four layers of the stack. No wrappers. No templates. Raw capability injected into your payments workflow — and when a layer is missing, we build it custom.

// FLAGSHIP_TOOLS

● LIVE

RatesNegotiator

Extract margin from the noise.

An AI agent that ingests messy merchant processing statements, surfaces hidden padding and downgrades, computes a target rate, and drafts the negotiation — or runs it for the merchant.

Merchant Cost Reduction

● LIVE

MerchantScope

A statement goes in. A sales plan comes out.

The AI sales coach for payments reps: reads a merchant processing statement, identifies the business, and hands the rep the exact setup, price, and pitch — before the call.

Deal Flow & Underwriting

// AVAILABLE_NOW

● LIVE

NMI Toolkit

Command the gateway.

A fast command layer that sits over the NMI gateway: instant transaction lookups, batch anomaly detection, and customer vault management through a command palette instead of the legacy dashboard.

Gateway & POS Operations

● LIVE

Clover Consolidated Dashboard

One pane for every MID.

Consolidated reporting and bulk device/inventory management across many Clover MIDs — built for resellers and multi-location operators who can't log into each merchant separately.

Gateway & POS Operations

● IN BETA

Residuals Nexus

Never miss a bip.

Reconciles residuals across processors, flags missing payouts, and computes sub-agent splits — the back-office an ISO would build if they had a great engineering team.

Revenue Assurance

// IN_DEVELOPMENT

IN DEVELOPMENT

Chargeback Copilot

Win every dispute.

AI assembles evidence and drafts compliant chargeback rebuttals trained on Visa CE 3.0, Mastercard MCOM, and Amex/Discover dispute rules — tracks deadlines and outcomes.

Merchant Cost Reduction

IN DEVELOPMENT

Underwriting Matchmaker

Route the deal. Win the board.

Input a deal; the engine matches it to the processor most likely to approve it, with required docs, pricing guidance, and placement probability.

Deal Flow & Underwriting

IN DEVELOPMENT

ISO Statement Auditor

Audit the processor that pays you.

RatesNegotiator pointed the other direction: an AI agent that audits the processor's monthly billing to the ISO, catching buy-rate errors and fee discrepancies that quietly erode ISO margin.

Revenue Assurance

IN DEVELOPMENT

Unified Reporting Hub

One dashboard for every processor.

A single consolidated reporting dashboard that pulls transaction, deposit, fee and chargeback data from every processor and gateway a merchant or ISO uses — one view instead of four logins.

Gateway & POS Operations

IN DEVELOPMENT

Underwriting Risk Scorer

Know the answer before you submit.

An AI engine that pre-screens a deal for approval likelihood and ongoing risk before submission — scoring MCC risk, chargeback exposure, and reputational flags so ISOs stop wasting cycles on deals that won't board.

Deal Flow & Underwriting

// STACK_LAYERS