Decode Your Card Acquiring Contracts

Automatically extract pricing, detect hidden risks, and get actionable recommendations from complex acquiring agreements — in seconds, not weeks.

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What Mercardo Contract Intelligence Is

Mercardo Contract Intelligence is an AI-enabled platform designed to extract, analyse, and structure commercial terms from card acquiring agreements.

It converts complex contract language into a clear, comparable rate card — surfacing pricing mechanics, clause risk, and negotiation implications.

Instead of reviewing agreements manually across finance, legal, and payments teams, Mercardo standardises the information so decisions can be made quickly and confidently.

Because contracts determine cost long before invoices do.

Acquiring Contracts Are Broken

THE PROBLEM

Complex pricing, opaque terms, and costly manual review leave merchants overpaying and exposed to risk.

Hidden Costs

Pricing buried in dense legal language makes it nearly impossible to understand true acquiring costs.

Unfavorable Terms

Merchant-unfriendly clauses on reserves, settlement delays, and chargebacks go undetected.

Slow Manual Review

Legal and compliance teams spend weeks reviewing contracts that should take minutes.

No Benchmarking

Without standardized rate cards, comparing acquirer offers is guesswork.

  • Securely ingest contracts — scanned or digital PDFs


  • OCR and table extraction with deterministic parsing

  • AI pricing normalization and clause risk detection

  • Human-in-the-loop validation for high-risk items

  • Structured rate cards, recommendations, and benchmarks

From PDF to Insight in Minutes

HOW IT WORKS

Not Another Generic CLM

WHY US

The only contract intelligence platform purpose-built for card acquiring economics.

Purpose-Built for Acquiring

Understands interchange-plus, blended MDRs, reserves, settlement timing, and scheme pass-through fees — not just generic legal clauses.

Risk Detection & Guardrails

Automated identification of merchant-unfriendly clauses with confidence scoring and optional human review for high-severity items.

Hybrid Rules + AI

Deterministic extraction for accuracy, combined with LLM reasoning for explanations and recommendations. Auditable and explainable.

Built for Finance Teams

Designed for payments, procurement, and finance professionals — not just legal. Clear rate cards and actionable benchmarks.

Built for the Payments Ecosystem

WHO IT’S FOR

Mid-to-Large Merchants

Retail, hospitality, e-commerce

Legal & Procurement

Finance & compliance teams

Banks & Acquirers

Financial institutions & PSPs

Payment Consultants

Advisory firms & ISOs

Stop Overpaying

Start Understanding

See how AI contract intelligence can save you thousands per year on acquiring costs and eliminate hidden risk.