diff --git a/MoneyMap/Pages/AccountDetails.cshtml.cs b/MoneyMap/Pages/AccountDetails.cshtml.cs
index 97e936b..fb89d1b 100644
--- a/MoneyMap/Pages/AccountDetails.cshtml.cs
+++ b/MoneyMap/Pages/AccountDetails.cshtml.cs
@@ -3,16 +3,19 @@ using Microsoft.AspNetCore.Mvc.RazorPages;
 using Microsoft.EntityFrameworkCore;
 using MoneyMap.Data;
 using MoneyMap.Models;
+using MoneyMap.Services;
 
 namespace MoneyMap.Pages
 {
     public class AccountDetailsModel : PageModel
     {
-        private readonly MoneyMapContext _db;
+        private readonly IAccountService _accountService;
+        private readonly ICardService _cardService;
 
-        public AccountDetailsModel(MoneyMapContext db)
+        public AccountDetailsModel(IAccountService accountService, ICardService cardService)
         {
-            _db = db;
+            _accountService = accountService;
+            _cardService = cardService;
         }
 
         public Account Account { get; set; } = null!;
@@ -27,67 +30,35 @@ namespace MoneyMap.Pages
 
         public async Task<IActionResult> OnGetAsync(int id)
         {
-            var account = await _db.Accounts.FindAsync(id);
-            if (account == null)
+            var accountDetails = await _accountService.GetAccountDetailsAsync(id);
+            if (accountDetails == null)
                 return NotFound();
 
-            Account = account;
-
-            // Get cards linked to this account
-            var cards = await _db.Cards
-                .Where(c => c.AccountId == id)
-                .OrderBy(c => c.Owner)
-                .ThenBy(c => c.Last4)
-                .ToListAsync();
-
-            var cardStats = new List<CardWithStats>();
-            foreach (var card in cards)
-            {
-                var transactionCount = await _db.Transactions.CountAsync(t => t.CardId == card.Id);
-                cardStats.Add(new CardWithStats
-                {
-                    Card = card,
-                    TransactionCount = transactionCount
-                });
-            }
-
-            Cards = cardStats;
-
-            // Get transaction count for this account
-            TransactionCount = await _db.Transactions.CountAsync(t => t.AccountId == id);
+            Account = accountDetails.Account;
+            Cards = accountDetails.Cards;
+            TransactionCount = accountDetails.TransactionCount;
 
             return Page();
         }
 
         public async Task<IActionResult> OnPostDeleteCardAsync(int cardId)
         {
-            var card = await _db.Cards.FindAsync(cardId);
-            if (card == null)
+            // Get card to retrieve account ID before deletion
+            var card = await _cardService.GetCardByIdAsync(cardId);
+            var accountId = card?.AccountId;
+
+            var result = await _cardService.DeleteCardAsync(cardId);
+
+            if (result.Success)
             {
-                ErrorMessage = "Card not found.";
-                return RedirectToPage(new { id = card?.AccountId });
+                SuccessMessage = result.Message;
+            }
+            else
+            {
+                ErrorMessage = result.Message;
             }
 
-            var accountId = card.AccountId;
-
-            var transactionCount = await _db.Transactions.CountAsync(t => t.CardId == card.Id);
-            if (transactionCount > 0)
-            {
-                ErrorMessage = $"Cannot delete card. It has {transactionCount} transaction(s) associated with it.";
-                return RedirectToPage(new { id = accountId });
-            }
-
-            _db.Cards.Remove(card);
-            await _db.SaveChangesAsync();
-
-            SuccessMessage = "Card deleted successfully.";
             return RedirectToPage(new { id = accountId });
         }
-
-        public class CardWithStats
-        {
-            public Card Card { get; set; } = null!;
-            public int TransactionCount { get; set; }
-        }
     }
 }
diff --git a/MoneyMap/Pages/Accounts.cshtml.cs b/MoneyMap/Pages/Accounts.cshtml.cs
index 6bd6e78..ff975f4 100644
--- a/MoneyMap/Pages/Accounts.cshtml.cs
+++ b/MoneyMap/Pages/Accounts.cshtml.cs
@@ -3,16 +3,17 @@ using Microsoft.AspNetCore.Mvc.RazorPages;
 using Microsoft.EntityFrameworkCore;
 using MoneyMap.Data;
 using MoneyMap.Models;
+using MoneyMap.Services;
 
 namespace MoneyMap.Pages
 {
     public class AccountsModel : PageModel
     {
-        private readonly MoneyMapContext _db;
+        private readonly IAccountService _accountService;
 
-        public AccountsModel(MoneyMapContext db)
+        public AccountsModel(IAccountService accountService)
         {
-            _db = db;
+            _accountService = accountService;
         }
 
         public List<AccountRow> Accounts { get; set; } = new();
@@ -22,14 +23,9 @@ namespace MoneyMap.Pages
 
         public async Task OnGetAsync()
         {
-            var accounts = await _db.Accounts
-                .Include(a => a.Transactions)
-                .OrderBy(a => a.Owner)
-                .ThenBy(a => a.Institution)
-                .ThenBy(a => a.Last4)
-                .ToListAsync();
+            var accountsWithStats = await _accountService.GetAllAccountsWithStatsAsync();
 
-            Accounts = accounts.Select(a => new AccountRow
+            Accounts = accountsWithStats.Select(a => new AccountRow
             {
                 Id = a.Id,
                 Institution = a.Institution,
@@ -37,30 +33,25 @@ namespace MoneyMap.Pages
                 Last4 = a.Last4,
                 Owner = a.Owner,
                 Nickname = a.Nickname,
-                TransactionCount = a.Transactions.Count
+                TransactionCount = a.TransactionCount
             }).ToList();
         }
 
         public async Task<IActionResult> OnPostDeleteAsync(int id)
         {
-            var account = await _db.Accounts
-                .Include(a => a.Transactions)
-                .FirstOrDefaultAsync(a => a.Id == id);
+            var result = await _accountService.DeleteAccountAsync(id);
 
-            if (account == null)
-                return NotFound();
-
-            if (account.Transactions.Any())
+            if (result.Success)
             {
-                ModelState.AddModelError(string.Empty, "Cannot delete account with existing transactions.");
+                SuccessMessage = result.Message;
+            }
+            else
+            {
+                ModelState.AddModelError(string.Empty, result.Message);
                 await OnGetAsync();
                 return Page();
             }
 
-            _db.Accounts.Remove(account);
-            await _db.SaveChangesAsync();
-
-            SuccessMessage = $"Deleted account {account.Institution} {account.Last4}";
             return RedirectToPage();
         }
 
diff --git a/MoneyMap/Pages/Cards.cshtml.cs b/MoneyMap/Pages/Cards.cshtml.cs
index 09f974c..cf0fd21 100644
--- a/MoneyMap/Pages/Cards.cshtml.cs
+++ b/MoneyMap/Pages/Cards.cshtml.cs
@@ -3,16 +3,17 @@ using Microsoft.AspNetCore.Mvc.RazorPages;
 using Microsoft.EntityFrameworkCore;
 using MoneyMap.Data;
 using MoneyMap.Models;
+using MoneyMap.Services;
 
 namespace MoneyMap.Pages
 {
     public class CardsModel : PageModel
     {
-        private readonly MoneyMapContext _db;
+        private readonly ICardService _cardService;
 
-        public CardsModel(MoneyMapContext db)
+        public CardsModel(ICardService cardService)
         {
-            _db = db;
+            _cardService = cardService;
         }
 
         public List<CardWithStats> Cards { get; set; } = new();
@@ -25,55 +26,23 @@ namespace MoneyMap.Pages
 
         public async Task OnGetAsync()
         {
-            var cards = await _db.Cards
-                .Include(c => c.Account)
-                .OrderBy(c => c.Owner)
-                .ThenBy(c => c.Last4)
-                .ToListAsync();
-
-            var cardStats = new List<CardWithStats>();
-
-            foreach (var card in cards)
-            {
-                var transactionCount = await _db.Transactions.CountAsync(t => t.CardId == card.Id);
-
-                cardStats.Add(new CardWithStats
-                {
-                    Card = card,
-                    TransactionCount = transactionCount
-                });
-            }
-
-            Cards = cardStats;
+            Cards = await _cardService.GetAllCardsWithStatsAsync();
         }
 
         public async Task<IActionResult> OnPostDeleteAsync(int id)
         {
-            var card = await _db.Cards.FindAsync(id);
-            if (card == null)
+            var result = await _cardService.DeleteCardAsync(id);
+
+            if (result.Success)
             {
-                ErrorMessage = "Card not found.";
-                return RedirectToPage();
+                SuccessMessage = result.Message;
+            }
+            else
+            {
+                ErrorMessage = result.Message;
             }
 
-            var transactionCount = await _db.Transactions.CountAsync(t => t.CardId == card.Id);
-            if (transactionCount > 0)
-            {
-                ErrorMessage = $"Cannot delete card. It has {transactionCount} transaction(s) associated with it.";
-                return RedirectToPage();
-            }
-
-            _db.Cards.Remove(card);
-            await _db.SaveChangesAsync();
-
-            SuccessMessage = "Card deleted successfully.";
             return RedirectToPage();
         }
-
-        public class CardWithStats
-        {
-            public Card Card { get; set; } = null!;
-            public int TransactionCount { get; set; }
-        }
     }
 }
\ No newline at end of file
diff --git a/MoneyMap/Pages/EditTransaction.cshtml.cs b/MoneyMap/Pages/EditTransaction.cshtml.cs
index d7d856a..245d613 100644
--- a/MoneyMap/Pages/EditTransaction.cshtml.cs
+++ b/MoneyMap/Pages/EditTransaction.cshtml.cs
@@ -12,12 +12,16 @@ namespace MoneyMap.Pages
         private readonly MoneyMapContext _db;
         private readonly IReceiptManager _receiptManager;
         private readonly IReceiptParser _receiptParser;
+        private readonly IReferenceDataService _referenceDataService;
+        private readonly IMerchantService _merchantService;
 
-        public EditTransactionModel(MoneyMapContext db, IReceiptManager receiptManager, IReceiptParser receiptParser)
+        public EditTransactionModel(MoneyMapContext db, IReceiptManager receiptManager, IReceiptParser receiptParser, IReferenceDataService referenceDataService, IMerchantService merchantService)
         {
             _db = db;
             _receiptManager = receiptManager;
             _receiptParser = receiptParser;
+            _referenceDataService = referenceDataService;
+            _merchantService = merchantService;
         }
 
         [BindProperty]
@@ -124,22 +128,9 @@ namespace MoneyMap.Pages
             // Update merchant
             if (!string.IsNullOrWhiteSpace(Transaction.MerchantName))
             {
-                // Create new merchant if custom name was entered
-                var merchantName = Transaction.MerchantName.Trim();
-                var existingMerchant = await _db.Merchants
-                    .FirstOrDefaultAsync(m => m.Name == merchantName);
-
-                if (existingMerchant != null)
-                {
-                    transaction.MerchantId = existingMerchant.Id;
-                }
-                else
-                {
-                    var newMerchant = new Merchant { Name = merchantName };
-                    _db.Merchants.Add(newMerchant);
-                    await _db.SaveChangesAsync();
-                    transaction.MerchantId = newMerchant.Id;
-                }
+                // Create or get merchant if custom name was entered
+                var merchantId = await _merchantService.GetOrCreateIdAsync(Transaction.MerchantName);
+                transaction.MerchantId = merchantId;
             }
             else if (Transaction.MerchantId.HasValue && Transaction.MerchantId.Value > 0)
             {
@@ -252,19 +243,12 @@ namespace MoneyMap.Pages
 
         private async Task LoadAvailableCategoriesAsync()
         {
-            AvailableCategories = await _db.Transactions
-                .Select(t => t.Category ?? "")
-                .Where(c => !string.IsNullOrWhiteSpace(c))
-                .Distinct()
-                .OrderBy(c => c)
-                .ToListAsync();
+            AvailableCategories = await _referenceDataService.GetAvailableCategoriesAsync();
         }
 
         private async Task LoadAvailableMerchantsAsync()
         {
-            AvailableMerchants = await _db.Merchants
-                .OrderBy(m => m.Name)
-                .ToListAsync();
+            AvailableMerchants = await _referenceDataService.GetAvailableMerchantsAsync();
         }
 
         public class TransactionEditModel
diff --git a/MoneyMap/Pages/Merchants.cshtml.cs b/MoneyMap/Pages/Merchants.cshtml.cs
index f75b706..efbd9ae 100644
--- a/MoneyMap/Pages/Merchants.cshtml.cs
+++ b/MoneyMap/Pages/Merchants.cshtml.cs
@@ -3,17 +3,18 @@ using Microsoft.AspNetCore.Mvc.RazorPages;
 using Microsoft.EntityFrameworkCore;
 using MoneyMap.Data;
 using MoneyMap.Models;
+using MoneyMap.Services;
 using System.ComponentModel.DataAnnotations;
 
 namespace MoneyMap.Pages
 {
     public class MerchantsModel : PageModel
     {
-        private readonly MoneyMapContext _db;
+        private readonly IMerchantService _merchantService;
 
-        public MerchantsModel(MoneyMapContext db)
+        public MerchantsModel(IMerchantService merchantService)
         {
-            _db = db;
+            _merchantService = merchantService;
         }
 
         public List<MerchantRow> Merchants { get; set; } = new();
@@ -40,9 +41,7 @@ namespace MoneyMap.Pages
             }
 
             // Check if merchant already exists
-            var existing = await _db.Merchants
-                .FirstOrDefaultAsync(m => m.Name == model.Name.Trim());
-
+            var existing = await _merchantService.FindByNameAsync(model.Name);
             if (existing != null)
             {
                 ErrorMessage = $"Merchant '{model.Name}' already exists.";
@@ -50,13 +49,7 @@ namespace MoneyMap.Pages
                 return Page();
             }
 
-            var merchant = new Merchant
-            {
-                Name = model.Name.Trim()
-            };
-
-            _db.Merchants.Add(merchant);
-            await _db.SaveChangesAsync();
+            var merchant = await _merchantService.GetOrCreateAsync(model.Name);
 
             SuccessMessage = $"Added merchant '{merchant.Name}'.";
             return RedirectToPage();
@@ -71,68 +64,48 @@ namespace MoneyMap.Pages
                 return Page();
             }
 
-            var merchant = await _db.Merchants.FindAsync(model.Id);
-            if (merchant == null)
+            var result = await _merchantService.UpdateMerchantAsync(model.Id, model.Name);
+
+            if (result.Success)
             {
-                ErrorMessage = "Merchant not found.";
-                return RedirectToPage();
+                SuccessMessage = result.Message;
             }
-
-            // Check if another merchant with the same name exists
-            var existing = await _db.Merchants
-                .FirstOrDefaultAsync(m => m.Name == model.Name.Trim() && m.Id != model.Id);
-
-            if (existing != null)
+            else
             {
-                ErrorMessage = $"Merchant '{model.Name}' already exists.";
+                ErrorMessage = result.Message;
                 await LoadDataAsync();
                 return Page();
             }
 
-            merchant.Name = model.Name.Trim();
-            await _db.SaveChangesAsync();
-
-            SuccessMessage = "Merchant updated successfully.";
             return RedirectToPage();
         }
 
         public async Task<IActionResult> OnPostDeleteMerchantAsync(int id)
         {
-            var merchant = await _db.Merchants
-                .Include(m => m.Transactions)
-                .Include(m => m.CategoryMappings)
-                .FirstOrDefaultAsync(m => m.Id == id);
+            var result = await _merchantService.DeleteMerchantAsync(id);
 
-            if (merchant == null)
+            if (result.Success)
             {
-                ErrorMessage = "Merchant not found.";
-                return RedirectToPage();
+                SuccessMessage = result.Message;
+            }
+            else
+            {
+                ErrorMessage = result.Message;
             }
 
-            var transactionCount = merchant.Transactions.Count;
-            var mappingCount = merchant.CategoryMappings.Count;
-
-            _db.Merchants.Remove(merchant);
-            await _db.SaveChangesAsync();
-
-            SuccessMessage = $"Deleted merchant '{merchant.Name}'. {transactionCount} transactions and {mappingCount} category mappings are now unlinked.";
             return RedirectToPage();
         }
 
         private async Task LoadDataAsync()
         {
-            var merchants = await _db.Merchants
-                .Include(m => m.Transactions)
-                .Include(m => m.CategoryMappings)
-                .OrderBy(m => m.Name)
-                .ToListAsync();
+            var merchantsWithStats = await _merchantService.GetAllMerchantsWithStatsAsync();
 
-            Merchants = merchants.Select(m => new MerchantRow
+            Merchants = merchantsWithStats.Select(m => new MerchantRow
             {
                 Id = m.Id,
                 Name = m.Name,
-                TransactionCount = m.Transactions.Count,
-                MappingCount = m.CategoryMappings.Count
+                TransactionCount = m.TransactionCount,
+                MappingCount = m.MappingCount
             }).ToList();
 
             TotalMerchants = Merchants.Count;
diff --git a/MoneyMap/Pages/Recategorize.cshtml.cs b/MoneyMap/Pages/Recategorize.cshtml.cs
index 7dd76d5..c5acae9 100644
--- a/MoneyMap/Pages/Recategorize.cshtml.cs
+++ b/MoneyMap/Pages/Recategorize.cshtml.cs
@@ -10,11 +10,13 @@ namespace MoneyMap.Pages
     {
         private readonly MoneyMapContext _db;
         private readonly ITransactionCategorizer _categorizer;
+        private readonly ITransactionStatisticsService _statsService;
 
-        public RecategorizeModel(MoneyMapContext db, ITransactionCategorizer categorizer)
+        public RecategorizeModel(MoneyMapContext db, ITransactionCategorizer categorizer, ITransactionStatisticsService statsService)
         {
             _db = db;
             _categorizer = categorizer;
+            _statsService = statsService;
         }
 
         public RecategorizeStats Stats { get; set; } = new();
@@ -47,16 +49,13 @@ namespace MoneyMap.Pages
 
         private async Task LoadStatsAsync()
         {
-            var totalTransactions = await _db.Transactions.CountAsync();
-            var uncategorized = await _db.Transactions
-                .CountAsync(t => string.IsNullOrWhiteSpace(t.Category));
-            var categorized = totalTransactions - uncategorized;
+            var categorizationStats = await _statsService.GetCategorizationStatsAsync();
 
             Stats = new RecategorizeStats
             {
-                TotalTransactions = totalTransactions,
-                Categorized = categorized,
-                Uncategorized = uncategorized
+                TotalTransactions = categorizationStats.TotalTransactions,
+                Categorized = categorizationStats.Categorized,
+                Uncategorized = categorizationStats.Uncategorized
             };
         }
 
diff --git a/MoneyMap/Pages/Transactions.cshtml.cs b/MoneyMap/Pages/Transactions.cshtml.cs
index 8e0c0e2..6b954e7 100644
--- a/MoneyMap/Pages/Transactions.cshtml.cs
+++ b/MoneyMap/Pages/Transactions.cshtml.cs
@@ -3,16 +3,21 @@ using Microsoft.AspNetCore.Mvc.RazorPages;
 using Microsoft.EntityFrameworkCore;
 using MoneyMap.Data;
 using MoneyMap.Models;
+using MoneyMap.Services;
 
 namespace MoneyMap.Pages
 {
     public class TransactionsModel : PageModel
     {
         private readonly MoneyMapContext _db;
+        private readonly ITransactionStatisticsService _statsService;
+        private readonly IReferenceDataService _referenceDataService;
 
-        public TransactionsModel(MoneyMapContext db)
+        public TransactionsModel(MoneyMapContext db, ITransactionStatisticsService statsService, IReferenceDataService referenceDataService)
         {
             _db = db;
+            _statsService = statsService;
+            _referenceDataService = referenceDataService;
         }
 
         [BindProperty(SupportsGet = true)]
@@ -147,33 +152,17 @@ namespace MoneyMap.Pages
             }).ToList();
 
             // Calculate stats for filtered results (all pages, not just current)
-            var allFilteredTransactions = await query.ToListAsync();
-            Stats = new TransactionStats
-            {
-                Count = allFilteredTransactions.Count,
-                TotalDebits = allFilteredTransactions.Where(t => t.Amount < 0).Sum(t => t.Amount),
-                TotalCredits = allFilteredTransactions.Where(t => t.Amount > 0).Sum(t => t.Amount),
-                NetAmount = allFilteredTransactions.Sum(t => t.Amount)
-            };
+            Stats = await _statsService.CalculateStatsAsync(query);
 
             // Get available categories for filter dropdown
-            AvailableCategories = await _db.Transactions
-                .Select(t => t.Category ?? "")
-                .Distinct()
-                .OrderBy(c => c)
-                .ToListAsync();
+            AvailableCategories = await _referenceDataService.GetAvailableCategoriesAsync();
 
             // Get available merchants for filter dropdown
-            AvailableMerchants = await _db.Merchants
-                .OrderBy(m => m.Name)
-                .Select(m => m.Name)
-                .ToListAsync();
+            var merchants = await _referenceDataService.GetAvailableMerchantsAsync();
+            AvailableMerchants = merchants.Select(m => m.Name).ToList();
 
             // Get available cards for filter dropdown
-            AvailableCards = await _db.Cards
-                .OrderBy(c => c.Owner)
-                .ThenBy(c => c.Last4)
-                .ToListAsync();
+            AvailableCards = await _referenceDataService.GetAvailableCardsAsync(includeAccount: false);
         }
 
         public class TransactionRow
@@ -189,13 +178,5 @@ namespace MoneyMap.Pages
             public string AccountLabel { get; set; } = "";
             public int ReceiptCount { get; set; }
         }
-
-        public class TransactionStats
-        {
-            public int Count { get; set; }
-            public decimal TotalDebits { get; set; }
-            public decimal TotalCredits { get; set; }
-            public decimal NetAmount { get; set; }
-        }
     }
 }
\ No newline at end of file