Most processors treat your transaction data like exhaust — something to log and forget. We treat it like fuel. Our AI layer watches every authorization, surfaces patterns a human would miss, and automates the operations work most merchants pay staff to do.
Every transaction scored in under 80 milliseconds. The model weighs velocity, geographic anomaly, device fingerprint, BIN history, and merchant-level behavioral baselines. Good customers fly through. Bad actors get blocked. Ambiguous cases get flagged for you to review.
After a transaction clears, we model the probability it will be disputed. Our system flags high-risk transactions within 24 hours so you can preemptively refund, adjust shipping, or reach out before the cardholder ever picks up the phone to call their bank.
Deposits matched to invoices. Batch settlements categorized. Tax lines tagged. Partial payments and split settlements handled automatically. Your bookkeeper stops reconciling for four days a month and starts doing actual work. Exports to whatever you already use — QuickBooks, Xero, NetSuite, CSV.
Beyond the payments layer, we extend the same AI into the three most expensive non-revenue workflows every operator runs — customer service, marketing, and bookkeeping. Most merchants run these with people, agencies, or SaaS stacks costing thousands a month. We automate the bulk of it at roughly half the cost.
An AI agent trained on your business answers customer questions 24/7 — across email, SMS, web chat, and phone. Handles the 80% of tickets that don't need a human (refund status, order lookup, hours, basic troubleshooting) and escalates the rest with full context already gathered.
AI drafts email campaigns, SMS blasts, and social content on your cadence — personalized by customer segment, triggered by transaction patterns, and measured on actual revenue lift. Stop paying an agency $4k/mo for templates you could write in 20 minutes.
Beyond reconciliation, the AI handles the full month-end close: expense categorization, 1099 tracking, sales tax calculation by jurisdiction, cash-flow forecasting. Your CPA still signs the return — they just stop doing data entry to get there. Works alongside QuickBooks, Xero, NetSuite.
Each merchant gets its own model. We don't pool your transaction data with other businesses, sell it to third parties, or use it to train shared systems. Your customer behavior is yours — the model is just the pattern-recognition layer on top.
The highest compliance standard. Annual third-party audits.
Operational controls continuously audited by independent firm.
At rest, in transit, in cache. No exceptions, no special cases.
Information security management aligned to international standard.
You already have the data. You're just not using it. Every transaction that's cleared in the last two years is a signal waiting to be read. Send us your last three months of processing and we'll show you — on your own data — what the AI layer catches.