Start here
The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why the price shown is not the price paid
Dynamic conversion, cross-border surcharges, payment-processor markups, and seller-side fees can each appear after the confirmation screen.
Under card-network rules, some fees are disclosable and some are not; the log is what makes the difference visible and disputable.
The protocol
- Export the order confirmations and the matching card transactions.
- For each order, write the listed price, the charged amount, and the difference.
- Identify each fee by name: conversion, surcharge, service, delivery, or seller fee.
- Compare the same order done without the agent or with a different payment method.
- Keep the table with the receipts and reference numbers.
What the tool does
Build an agent-purchase fee log It runs locally in this browser and sends nothing.
Limit first: This is a record-keeping aid, not financial, investment or legal advice. It cannot stop a charge, reverse a transaction, or establish who is legally liable.
Open the companion tool →Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Free path, in order (no cost):
- Your card issuer's dispute process (in writing, with the log attached)
- CFPB complaint route for undisclosed fees
- The merchant's own written complaint channel before escalating
What this cannot do: It cannot stop a charge, reverse a transaction, or establish who is legally liable.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One human next step
Ask your card issuer to identify each fee in writing; if a fee was not disclosed, dispute the difference in writing with the merchant and then with the issuer.
Research log and safety checks
AI-assist path: not used for a verdict. This builder organises the reader's own documents and names an independent source; it does not infer authenticity, eligibility, or legal rights. §6.9/§6.10/§6.11 disclosed in the batch report; §6.12 status line carried in metadata as `status_line`.
§0.5 protection result: category is financial-agent-exposure; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.