AI-Powered Clarity in Payments
We Analyze, Never Process.
$187.2BN
US Merchants paid in processing fees in 2024.
73%
Of small businesses pay more than they should on merchant services fees.
$2,400/year
The average U.S. small business loses to hidden processing fees.
Payment processing is complex - and costly without clarity.
Most small businesses end up paying more than they should on processing fees, not always because of hidden charges, but because the system is complex and constantly changing.
Rate structures, interchange rules, and security requirements create opportunities to save that are easy to miss.
Paygent.ai acts like a dedicated teammate—monitoring transactions, catching anomalies, and surfacing every opportunity to reduce costs and strengthen the bottom line.
Step 1: Connect
Step 2: Insights
Step 3: Save
Independent. Transparent. On your side.
Common questions, answered upfront.
Is Paygent.ai a payment processor?
No. Paygent.ai never processes or moves money. We analyze payment data to provide oversight, clarity, and recommendations.
How do I request a payment processing statement audit?
Please click the Request an Audit button at the top of this webpage, you'll be guided through the process. Accuracy is incredibly important to us so please give us up to 24 hours. We are AI-driven with a human touch.
Clarity in Every Transaction, Confidence in Every Decision.
Our mission is to bring clarity and fairness to payment processing, an industry long driven by complexity and confusion. Using AI to reveal patterns and hidden truths, we equip small businesses to act with confidence and thrive.