Statement Analysis at Production Speed
Any processor, any format, including the statement changes that follow processor consolidations. Every fee line item extracted: interchange, assessments, markup, monthly fees, PCI charges.
Industries
AI Agents for Payments Operations
Statement analysis, onboarding documents, fee-policy checks, and compliance monitoring, executed across every processor format at 99%+ extraction accuracy.
What are AI agents for payments operations?
Payments operations run on documents and policy: processor statements, onboarding files, pricing schedules, and the compliance rules that govern them all. MightyBot gives payments teams AI agents for that work: reading every document, applying written policy the same way every time, and keeping an evidence trail behind each number and decision.
Merchant statement analysis
MightyBot automates merchant statement analysis: the workflow that buries payments sales teams in hours of manual review. Processor consolidation, interchange program changes, and fee-disclosure expectations reshuffle statement formats. Hundreds of processor formats are handled, with every extracted number traceable to its source line. 99%+ extraction accuracy in production deployments, production-proven through RocketFee. Explore merchant statement analysis.
Fee Reconciliation and Savings
Fees evaluated against current interchange tables including Visa CEDP requirements (April 2026). Overcharges identified. Hidden fees surfaced. Durbin Amendment reduction scenarios modeled.
Real-Time Sales Intelligence
Effective rates, fee decomposition, competitive positioning: the moment a statement uploads. High-value opportunities flagged automatically.
Cross-Processor Normalization
Processor consolidation means merged fee structures and format changes. MightyBot handles this natively. Fee categories normalized across naming conventions.
Payments workflow
Merchant onboarding document processing
Onboarding stalls on paperwork: applications, bank statements, licenses, and processing history arrive in every format and must be checked for completeness before underwriting. Agents classify and extract the file the day it arrives, flag what is missing, and hand underwriting a structured, evidence-linked package.
Explore document processingPayments workflow
Fee and pricing policy evaluation
Pricing errors leak margin one merchant at a time. Written pricing policy becomes executable rules: every merchant's billed fees are evaluated against the schedule they were sold, portfolio-wide, with exceptions routed for review and every check traceable to the statement line that triggered it.
Explore policy evaluationPolicy-driven compliance
Payments compliance monitoring
Compliance work in payments is policy evaluation at volume: fee-disclosure checks, onboarding reviews, and monitoring rules that must be applied the same way on every merchant. MightyBot executes those policies deterministically and keeps the evidence, so a compliance reviewer sees which rule fired, on what data, with the source attached. The same engine that reads a merchant statement enforces the policy that governs it.
Explore compliance monitoring, with compliance infrastructure and the policy engine support behind the workflow.
How MightyBot
Executes
Seamless System Access
Connects to your CRM and sales tools. Reps never leave their workflow. Intelligence arrives where they work.
Portfolio-Wide Analysis
One statement or thousands. Attrition risk, repricing opportunities, drifted fee structures - identified automatically.
Edge Cases Handled
Every pricing model decomposed - tiered, interchange-plus, flat-rate. Unknown formats adapted without templates. Confidence scores on every extraction.
Production Results
Metric Result
Statement analysis time Automated processing versus manual review
Extraction accuracy 99%+ in production deployments
Fee line item coverage Complete decomposition
Sales response time Minutes, not days
Analyst throughput Higher throughput per rep
It doesn't assist your sales team. It finishes the analysis.
Industry workflow map
How AI agents support payments operations
MightyBot gives payments teams AI agents for document-heavy, policy-bound workflows: merchant statement analysis, onboarding document processing, fee and pricing policy evaluation, and compliance monitoring with source-backed decisions and audit trails.
Last updated: August 6, 2026| Inputs | Processor statements, onboarding applications, bank statements, licenses, processing histories, pricing schedules, policy documents, and compliance records. |
|---|---|
| Execution | Agents classify documents, extract evidence, normalize fee data, evaluate written pricing and compliance policies, route exceptions, and preserve each source reference. |
| Outputs | Statement analyses, onboarding packages, fee-policy exceptions, compliance findings, portfolio signals, and reviewer-ready summaries. |
| Audit trail | Every number, decision, exception, and recommendation links back to the source document or statement line, the policy rule, calculation logic, and reviewer action. |
| Best for | Payments teams that need merchant operations, underwriting, pricing, and compliance work processed consistently across every document and merchant. |
See payments operations in production.
See statement analysis, onboarding document processing, policy evaluation, and compliance monitoring in one workflow.
FAQ
Frequently Asked Questions
How many processor formats does MightyBot support?
All major processors and acquirers. Extraction models maintained per format and updated as formats change. New or modified formats adapted without manual templates.
How accurate is the fee extraction?
99%+ in production. Interchange, assessment, markup, and miscellaneous fees extracted to individual line items. Confidence scores on every extraction. Below-threshold items flagged for verification.
How do AI agents automate payments compliance?
They apply written compliance policy to each merchant file and transaction stream: extracting the relevant facts, evaluating them against the policy version in force, flagging exceptions to humans, and recording the full decision trail. Compliance stops being a quarterly sampling exercise and becomes a property of the workflow.
What payments compliance checks can MightyBot run?
Any check you can state as policy over documents and system records: fee and disclosure verification, onboarding document completeness, pricing-consistency review, and ongoing monitoring rules. Checks run on every item rather than a sample, with evidence pointers for audit.
What can AI agents do in payments operations?
The document-heavy, policy-bound work: analyzing merchant statements line by line, processing onboarding files, evaluating fees against pricing policy, and running compliance checks on every merchant rather than a sample. Each decision carries an evidence pointer, so disputes resolve at the source.