A mobile app that uses OCR to scan receipts, bills, and payment terminals in real-time. It identifies all surcharges, cross-references them against regulations and merchant policies, suggests the lowest-fee payment method before checkout, and auto-generates dispute emails/requests for removal of illegitimate charges.

Payment surcharges have become normalized in Australia post-COVID, with rent platforms alone potentially skimming $1B/year. Consumer frustration is peaking, and regulatory scrutiny is increasing, creating demand for transparency tools.