Yorvana Scanner
v1.9
4 AI · live

Yorvana Pro

The merchant-services field toolkit. Sign in to your agent account.

Choose your plan

Every plan includes the full 4-AI scanner & hidden-markup engine. Pick your monthly scan volume.

Set your password

Welcome to Yorvana Pro — choose a password to finish setting up your account.

Locked

Yorvana Pro is locked. Verify it's you to continue.

4-AI verified

Scan a statement.
Quote it dead on.

Four independent AIs (Claude · Gemini · Grok · ChatGPT) read every number and cross-check it against the statement's own math. If it doesn't reconcile to the cent, it won't let you quote it.

The original PDF the merchant has — emailed or in their portal — is the most accurate. A clean photo of each fee page works too.
CLAUDE
GEMINI
GROK
ChatGPT
Cross-checking the numbers
Two models are reading your statement independently, then reconciling against the printed totals.
Tap your name/company above to edit — it's saved for next time.

Program calculator

Structure a deal on the spot — see what each program does to the merchant's cost and the customer's price.

Saved audits

Every statement you analyze is saved here — pick a prospect back up where you left off.

Dirty tricks

The fees and tactics processors bury — and how to fight them.

Sales ammo

The Junk Fee
Wall of Shame

Real fees pulled straight off merchants' actual statements — the ones they were never meant to notice. Name the fee, name the processor, show the receipt. Then scan theirs.

Every entry is documented from a real statement. Figures are factual; the commentary is Yorvana's opinion.
SpotOn🚩🚩🚩
The "SOPF" Software Fee
A flat 0.20% of every sale, labeled "software" so it reads like a fixed charge instead of the percentage it really is. No rate is ever shown on the statement.
~$1,652 / year on a $69k/mo shop
EXHIBIT A
SOPF – SOFTWARE$137.70
Real SpotOn statement · Feb 2026 · $68,851 volume
Heartland / Global🚩🚩🚩🚩
The 6.02% "Discount Rate"
Dumps the whole batch into a punitive tier at 6.02% when the true cost is under 2% — then adds a $33.50 "Service & Regulatory Mandate" they made up.
$2,000 in fees on $23k = an 8.7% rate · ~$18,000/yr
EXHIBIT B
VS DISCOUNT FEE  6.0200%$1,085.75
SERVICE & REGULATORY MANDATE$33.50
Real Heartland statement · Feb 2026 · $23,024 volume
Shift4🚩🚩🚩
$2,000 "Annual Service & Maintenance"
A brand-new $2,000-a-year fee, effective 07/01/2026 — which, by law, opens the window to leave with no termination fee. Most merchants will never know either thing.
$2,000 / year, out of nowhere
EXHIBIT C
CONSOLIDATED ANNUAL SVC & MAINT$2,000.00
EFFECTIVE07 / 01 / 2026
Announced to merchants · June 2026
Commonly seen🚩🚩
The $150 "PCI Compliance" Fee
Charged for "compliance" you can actually complete for free in a 10-minute online form. Quietly billed year after year on accounts that never filled it out.
$150+ / year for nothing
EXHIBIT D
PCI COMPLIANCE FEE$150.00
Seen across multiple processors
Figures are taken from real merchant statements; identifying details are redacted. Fee descriptions are factual; characterizations are Yorvana's opinion.

Help & feedback

Hit a bug or have an idea? Tell us — it goes straight to the team.

YORVANA · CONSENSUS + ARITHMETIC RECONCILIATION