Fee Navigator
Fee Navigator is an AI-powered platform that automates merchant statement analysis and proposal generation for payment industry participants including ISOs, MSPs, ISVs, banks, and B2B merchants, now part of NMI following a June 2026 acquisition.
- Company typePrivate
- Founded2019
- HeadquartersKing Of Prussia, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Fee Navigator does
Fee Navigator is an AI-powered merchant statement analysis and proposal generation platform serving participants in the payments industry, including Independent Sales Organizations (ISOs), ISO agents, Merchant Services Providers (MSPs), Independent Software Vendors (ISVs), banks, and B2B merchants with commercial card volume. Founded in 2019 and headquartered in King of Prussia, Pennsylvania, the company was acquired by NMI in June 2026 and now operates under the trade name "Fee Navigator by NMI." Its core product automates the extraction and analysis of merchant processing statements—traditionally a manual process taking days or weeks—using multiple OCR engines, context-aware text processing, and machine learning, with approximately 80% of statements analyzed in seconds and over 90% instant results across customers.
The platform's capabilities include IC padding extraction, Level 2/3 interchange optimization, profitability and residual calculations, branded proposal generation across PDF/Word/Excel formats, and a Visa CEDP compliance verification tool jointly launched with Verisave and Optimized Payments. A REST API and native integrations with Salesforce and IRIS CRM extend the product into partner sales workflows. Additional modules include the Fee Review analysis engine and a Fee Chatbot conversational interface.
Fee Navigator monetizes through three tiered annual subscriptions: Silver (10+ users with 10 monthly human expert reviews), Gold (100+ users with 50 monthly reviews), and Platinum (unlimited users with full API access). Human expert reviews are also available on-demand at $30 each. The go-to-market is sales-led with direct engagement of ISOs, MSPs, and ISVs, complemented by a self-service web channel and developer-led API adoption. Following the NMI acquisition, distribution expands through NMI's embedded payments infrastructure network, which processes nearly $700 billion in annual payment volume.
Fee Navigator firmographics
Firmographics- Name
- Fee Navigator
- Legal name
- Fee Navigator, Inc.
- Website
- https://feenavigator.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- Fee Navigator is an AI-powered platform that automates merchant statement analysis and proposal generation for payment industry participants including ISOs, MSPs, ISVs, banks, and B2B merchants, now part of NMI following a June 2026 acquisition.
- Ownership category
- akta.pro rank
Fee Navigator industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159), Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Corporate Travel & Expense Booking Platforms (BPAMAIAI)
- akta.pro secondary industry
- Parking & Toll Payment/Reservation Platforms (BPAMAIAL)
Keywords
Where Fee Navigator is headquartered
LocationHeadquarters
- HQ city
- King Of Prussia
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Fee Navigator business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Subscription Licensing (Platinum, Gold, Silver): Tiered subscription plans based on user count and feature access. Platinum offers unlimited users with API access; Gold targets 100+ users with 50 monthly human expert reviews; Silver serves 10+ users with 10 monthly reviews. Annual or multi-year commitments with upfront or monthly payment options.
- Human Expert Review Services: On-demand human expert analysis available at $30 per review for complex statement analysis or closing assistance. Included allocations vary by tier.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Platinum tier: Unlimited users with full API access and on-demand human expert reviews at $30 each |
| Subscription | Annual | Gold tier: 100+ users with 50 included human expert reviews per month |
| Subscription | Annual | Silver tier: 10+ users with 10 included human expert reviews per month |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Fee Navigator product offering
Product offeringCore offering
Fee Navigator provides an AI-powered platform that analyzes merchant credit card processing statements and generates branded pricing proposals in seconds. The platform serves payment industry participants such as ISOs, MSPs, and ISVs by automating interchange cost extraction, IC padding identification, Level 2/Level 3 optimization, residual calculation, and Visa CEDP compliance verification.
Product overview
Fee Navigator is an AI-powered merchant statement analysis and proposal platform acquired by NMI. The product portfolio centers on the Core Platform which provides instant statement analysis and branded proposal generation, supported by three feature modules (Fee Review, Fee Chatbot, and VISA CEDP Verification). The platform is delivered via web interface and REST API, with three subscription tiers (PLATINUM, GOLD, SILVER) differentiated by user capacity and human expert review allowances. All tiers include automated analysis, custom pricing, IC optimization, and CRM integrations.
Differentiator
Problem solved
Functional benefit
Products and services
- Fee Navigator Core Platform AI-powered platform that accepts uploaded merchant processing statements and produces instant analysis, customized pricing proposals, profitability calculations, and interchange optimization for payment industry sales organizations.
- Fee Navigator API RESTful API that enables software vendors and technology partners to embed automated merchant statement analysis, proposal generation, pricing regimen management, and cost schedule calculations into their own products and workflows.
- Visa CEDP Compliance Verification Tool Free AI-powered tool that allows merchants to instantly verify their compliance status with Visa's Commercial Enhanced Data Program and identify potential interchange savings of 10-40+ basis points, addressing widespread compliance failures since CEDP enforcement began in October 2025.
Quantifiable outcome
- ~80% of merchant statements analyzed in seconds (vs days/weeks manually)
- +3 more outcomes
Companies that use Fee Navigator
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Fee Navigator technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability8 records
Feature9 records
Fee Navigator partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship, core and minor.
- NMIflagshipNMI, a provider of embedded payments infrastructure processing nearly $700 billion in annual payment volume, acquired Fee Navigator in June 2026. The acquisition adds AI-powered pricing intelligence to NMI's platform, enabling partners to analyze merchant statements and recommend optimized pricing strategies to improve merchant acquisition and portfolio performance. This follows NMI's acquisition of Dwolla and supports NMI's strategy of providing partners with a comprehensive AI-driven platform for managing payments.
- VerisavecoreFee Navigator collaborated with Verisave and Optimized Payments to jointly launch a free AI-powered compliance verification tool for Visa's Commercial Enhanced Data Program (CEDP). The tool provides merchants with instant assessment of their compliance status and identifies potential savings opportunities, addressing widespread compliance failures since CEDP enforcement began in October 2025.
- Optimized PaymentscoreFee Navigator collaborated with Verisave and Optimized Payments to jointly launch a free AI-powered compliance verification tool for Visa's Commercial Enhanced Data Program (CEDP). The tool provides merchants with instant assessment of their compliance status and identifies potential savings opportunities, addressing widespread compliance failures since CEDP enforcement began in October 2025.
- SalesforcecoreNative CRM integration with Salesforce allows Fee Navigator analysis and proposals to be accessed within the Salesforce environment, enabling sales teams to work within their familiar CRM workflow.
- IRIS CRMcoreNative CRM integration with IRIS enables payment industry sales teams to access Fee Navigator's statement analysis and proposal capabilities directly within their CRM platform.
- DwollaminorDwolla was acquired by NMI prior to the Fee Navigator acquisition, expanding NMI's account-to-account payment capabilities as part of the same strategic vision for comprehensive AI-driven payments infrastructure.
Scale indicators3 records
Recent moves6 records
Expansion highlights7 records
Fee Navigator competitors and assessment
Company assessmentBroad incumbents
- Fiserv: Major payments processor whose Card Connect business is a named Fee Navigator customer. Comparable as a broad incumbent serving ISOs and merchants with end-to-end processing, plus merchant analytics tools, making it a logical in-house competitor.
- Worldpay: Global payments processor and named Fee Navigator customer. Comparable as a large incumbent in merchant acquiring and ISO enablement, with the scale to build competing pricing intelligence tools.
- Stripe: Leading payments infrastructure provider serving both direct merchants and platforms/ISVs. Comparable as a broad incumbent with strong API-first distribution and merchant/pricing analytics capabilities that overlap with Fee Navigator's addressable buyer base.
- NMI: Embedded payments platform that acquired Fee Navigator in June 2026; processes nearly $700B in annual payment volume and serves ISOs, ISO agents, and ISVs. Overlapping distribution and customer base, but as a broad payments infrastructure provider rather than a pricing-intelligence specialist.
- Block (Square): Payments and merchant services incumbent with seller-facing analytics and pricing tools. Comparable as a broad incumbent targeting SMB merchants and software partners, an overlapping persona with Fee Navigator's ISO/agent customers.
- Authorize.Net (Visa): Established payment gateway and merchant services platform serving ISOs, ISVs, and SMB merchants. Comparable as a broad incumbent distribution channel for embedded payments where pricing intelligence is increasingly bundled.
- Heartland Payment Systems (Global Payments): Large merchant acquirer serving ISOs and SMB merchants with processing, payroll, and analytics. Comparable broad incumbent with overlapping ISO channel and merchant pricing/portfolio analytics needs.
Emerging players
- Stax Payments (Fattmerchant): Subscription-style payments platform serving ISOs, ISVs, and merchants with transparent pricing and back-office tools. Comparable as a SaaS-led ISO/ISV platform competing for similar buyer personas.
- CardFlight: Payments technology provider for ISVs and ISOs offering mobile POS, gateway, and back-office tools. Comparable as a developer-friendly, ISO/ISV-focused platform that could integrate or compete with Fee Navigator's pricing intelligence API.
Direct peers
- Swipesum: Payments consultancy and SaaS that performs merchant statement analysis and cost-reduction services for ISOs and merchants. Directly comparable to Fee Navigator in statement analysis, interchange optimization, and merchant pricing advisory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Fee Navigator social profiles
Digital presenceFee Navigator compliance and trust
Trust signalCompliance1 record
Fee Navigator financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fee Navigator leadership team
Management profileNumber of profiles
Fee Navigator funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fee Navigator M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fee Navigator
What does Fee Navigator do?
Fee Navigator provides an AI-powered platform that analyzes merchant credit card processing statements and generates branded pricing proposals in seconds. The platform serves payment industry participants such as ISOs, MSPs, and ISVs by automating interchange cost extraction, IC padding identification, Level 2/Level 3 optimization, residual calculation, and Visa CEDP compliance verification.
Is Fee Navigator a public or private company?
Fee Navigator is a private company. It is classified as corporate owned and is currently acquired.
When was Fee Navigator founded?
Fee Navigator was founded in 2019. It employs 11 to 50 people.
Where is Fee Navigator based?
Fee Navigator is headquartered in King Of Prussia, United States, in the North America region.
How does Fee Navigator make money?
Two revenue lines are on record. Subscription Licensing (Platinum, Gold, Silver) is the primary driver. The others are human Expert Review Services.
Who are Fee Navigator's main competitors?
Broad incumbents on record are Fiserv, Worldpay, Stripe, NMI, Block (Square), Authorize.Net (Visa) and Heartland Payment Systems (Global Payments). Emerging players are Stax Payments (Fattmerchant) and CardFlight. Swipesum is listed as a direct peer.
Does Fee Navigator have an API?
Yes. Fee Navigator API offers a suite of technology components to automate merchant statement analysis and comparison. The API provides endpoints for admin functions (fee library, pricing regimens, cost schedules, proposal templates, plans, assignments), proposal management (statement upload/submission, quote submission, data point extraction, proposal generation/PDF export, plan assignment), and industry data (interchange schedules, normalized terms, MCC list). Authentication uses API key via Authorization header. Supports statement analysis, pricing optimization, proposal generation, and merchant data management. Developer documentation is at developer.feenavigator.com/feenavigator-api-doc.
What industry is Fee Navigator in?
Fee Navigator's product category is Payment Processing Software. Its primary akta.pro industry code is BPAMAIAI, Corporate Travel & Expense Booking Platforms, with a secondary code of BPAMAIAL, Parking & Toll Payment/Reservation Platforms. Its NAICS code is 52232 and its SIC code is 6159.