{
  "schema_version": "2026-03-01",
  "protocol": "webmcp/1.0",
  "site": {
    "name": "B2B Fee Audit",
    "legal_entity": "Research Triangle Park AI Transformation LLC",
    "url": "https://b2bfeeaudit.com/",
    "description": "Deterministic B2B Total Cost of Ownership (TCO) and hidden-fee auditor for Multi-State Payroll/HRIS/EOR (Gusto, Rippling, Deel, OnPay, ADP, Paychex) and Merchant Credit Card Processing (Stripe, Square, PayPal, Shopify vs. Helcim, Stax, CDG Interchange-Plus).",
    "license": "CC-BY-4.0",
    "llms_txt": "https://b2bfeeaudit.com/llms.txt",
    "llms_full_txt": "https://b2bfeeaudit.com/llms-full.txt",
    "openapi_spec": "https://b2bfeeaudit.com/.well-known/openapi.json",
    "datasets": [
      {
        "id": "b2b-payroll-and-merchant-fee-benchmarks-2026",
        "format": "csv",
        "url": "https://b2bfeeaudit.com/datasets/b2b-payroll-and-merchant-fee-benchmarks-2026.csv"
      },
      {
        "id": "b2b-payroll-and-merchant-fee-benchmarks-2026-json",
        "format": "json",
        "url": "https://b2bfeeaudit.com/datasets/b2b-payroll-and-merchant-fee-benchmarks-2026.json"
      }
    ]
  },
  "tools": [
    {
      "name": "calculate_payroll_hris_tco",
      "title": "Payroll & Multi-State HRIS 12-Month TCO Calculator",
      "description": "Calculates deterministic 12-month all-in cost across Gusto, OnPay, Rippling, Deel, ADP RUN, and Paychex Flex including base fees, W-2 PEPM, 1099 contractor fees, extra-state tax filing surcharges, year-end W-2/1099 fees, and global EOR FX spreads.",
      "canonical_route": "https://b2bfeeaudit.com/payroll/gusto-vs-rippling-tco/",
      "inputSchema": {
        "type": "object",
        "required": [
          "w2_employees",
          "us_states"
        ],
        "properties": {
          "w2_employees": {
            "type": "integer",
            "minimum": 1,
            "maximum": 500,
            "default": 18,
            "description": "Number of US W-2 employees"
          },
          "contractors_1099": {
            "type": "integer",
            "minimum": 0,
            "maximum": 500,
            "default": 4,
            "description": "Number of US 1099 contractors paid monthly"
          },
          "us_states": {
            "type": "integer",
            "minimum": 1,
            "maximum": 50,
            "default": 3,
            "description": "Number of US states with active W-2 tax withholding/SUI accounts"
          },
          "primary_state": {
            "type": "string",
            "default": "TX",
            "description": "Two-letter US state code for primary SUI wage-base lookup"
          },
          "eor_employees": {
            "type": "integer",
            "minimum": 0,
            "maximum": 100,
            "default": 0,
            "description": "Number of international Employer-of-Record (EOR) employees"
          },
          "current_provider": {
            "type": "string",
            "enum": [
              "adp_run",
              "paychex_flex",
              "gusto_simple",
              "gusto_plus",
              "rippling",
              "deel",
              "onpay",
              "none"
            ],
            "default": "adp_run"
          }
        }
      }
    },
    {
      "name": "audit_merchant_processing_fees",
      "title": "Stripe & Merchant Processing Interchange-Plus Fee Auditor",
      "description": "Audits monthly credit card volume, average ticket size, card-present vs. online/invoicing mix, and international percentage to calculate true effective rate and 12-month savings switching from Stripe (2.9%+$0.30), Square, or PayPal to Helcim, Stax, or CDG Interchange-Plus.",
      "canonical_route": "https://b2bfeeaudit.com/merchant-fees/stripe-vs-helcim-interchange-plus/",
      "inputSchema": {
        "type": "object",
        "required": [
          "monthly_volume_usd",
          "avg_ticket_usd"
        ],
        "properties": {
          "monthly_volume_usd": {
            "type": "number",
            "minimum": 1000,
            "maximum": 10000000,
            "default": 65000,
            "description": "Total monthly gross card processing volume in USD"
          },
          "avg_ticket_usd": {
            "type": "number",
            "minimum": 5,
            "maximum": 50000,
            "default": 130,
            "description": "Average transaction size in USD"
          },
          "online_cnp_pct": {
            "type": "number",
            "minimum": 0,
            "maximum": 100,
            "default": 80,
            "description": "Percentage of volume processed online, keyed, or via B2B invoice"
          },
          "international_pct": {
            "type": "number",
            "minimum": 0,
            "maximum": 100,
            "default": 10,
            "description": "Percentage of volume from non-US cards or requiring currency conversion"
          },
          "current_processor": {
            "type": "string",
            "enum": [
              "stripe",
              "square",
              "paypal",
              "shopify_payments",
              "helcim",
              "stax"
            ],
            "default": "stripe"
          }
        }
      }
    },
    {
      "name": "compare_1099_vs_w2_employer_tax",
      "title": "US 1099 Contractor vs. W-2 Employee True Employer Tax Load Comparator",
      "description": "Calculates statutory employer payroll tax load (7.65% FICA + 0.6% FUTA + official 2026 .gov state SUI wage base & rate + Workers Comp + benefits load) versus 1099 independent contractor hourly/annual compensation.",
      "canonical_route": "https://b2bfeeaudit.com/payroll/1099-vs-w2-employer-tax-calculator/",
      "inputSchema": {
        "type": "object",
        "required": [
          "annual_base_compensation_usd",
          "state_code"
        ],
        "properties": {
          "annual_base_compensation_usd": {
            "type": "number",
            "minimum": 15000,
            "maximum": 500000,
            "default": 85000
          },
          "state_code": {
            "type": "string",
            "default": "CA",
            "description": "Two-letter US state code (e.g., CA, NY, TX, FL, NC, WA)"
          },
          "benefits_load_pct": {
            "type": "number",
            "minimum": 0,
            "maximum": 40,
            "default": 12
          }
        }
      }
    },
    {
      "name": "calculate_saas_unit_economics_margin",
      "title": "SaaS & B2B Stack Unit-Economics & Payment/Payroll COGS Auditor",
      "description": "Calculates per-customer payment processing fee drag, payroll/support COGS per seat, and net SaaS gross margin uplift from optimizing billing & HR infrastructure.",
      "canonical_route": "https://b2bfeeaudit.com/merchant-fees/credit-card-effective-rate-auditor/",
      "inputSchema": {
        "type": "object",
        "required": [
          "mrr_usd",
          "active_customers"
        ],
        "properties": {
          "mrr_usd": {
            "type": "number",
            "minimum": 1000,
            "maximum": 5000000,
            "default": 50000
          },
          "active_customers": {
            "type": "integer",
            "minimum": 1,
            "maximum": 100000,
            "default": 400
          },
          "infra_llm_cogs_monthly_usd": {
            "type": "number",
            "minimum": 0,
            "maximum": 1000000,
            "default": 4200
          }
        }
      }
    }
  ]
}