Interchange
Payment Processing Fees
Flat Rate Pricing
The Problem: Payment Processing Is Expensive, and Opaque
Small businesses spend thousands of dollars each year on payment processing.
Yet most business owners cannot clearly answer three simple questions:
- What is my true effective rate?
- How much of my fees are processor markup?
- Are my costs aligned with industry benchmarks?
This isn’t a knowledge gap. It’s a transparency gap.
The payments industry has normalized complexity. Statements are dense. Fees are layered. Pricing models vary. And many providers rely on that complexity to protect their margins.
Opacity has become standard.
That’s what we’re changing.
What Is Paygent.ai?
Paygent.ai is a payment transparency platform built for small and mid-sized businesses.
We do not process payments. We do not replace your processor.
We analyze your existing payment data and surface:
- Interchange vs. network vs. markup separation
- Your effective rate over time
- Hidden or inflated fees
- Industry benchmarks
- Plain-English explanations of confusing line items
Our goal is simple: clarity before decisions.
Why Transparency Matters
Payment processing compounds.
A 0.5% difference in markup on $1,000,000 in annual volume equals $5,000 per year.
Over five years, that’s $25,000.
Without visibility, businesses cannot:
- Negotiate effectively
- Compare pricing models accurately
- Detect rate creep
- Identify overcharges
Transparency restores control.
How Paygent.ai Works
Step 1: Connect or upload your payment statement.
Step 2: Our system categorizes fees into interchange, network, and markup layers.
Step 3: View your effective rate, markup trends, and benchmarks in one dashboard.
Optional: If you want alternatives, we introduce you to vetted, transparency-aligned processor partners.
No pressure. No sales scripts. Just insight.
Who Paygent.ai Is For
- Retail businesses
- Restaurants and hospitality
- Home service providers
- Professional services firms
- Growing SMBs evaluating processor options
If you accept cards, you deserve to understand your costs.
Launching March 3, 2026
Today marks the official launch of Paygent.ai.
We believe transparency should be the baseline — not the premium tier.
Because informed business owners make better decisions.
And better decisions build stronger businesses.
Welcome to Paygent.ai.
You don’t need to be a payments expert to protect your margins.
You just need visibility.
Frequently Asked Questions
What is Paygent.ai?
Paygent.ai is a payment transparency platform that helps small businesses understand their payment processing costs. It analyzes statements and fee data to clearly separate interchange, network fees, and processor markup so business owners can make informed decisions.
Does Paygent.ai process payments?
No. Paygent.ai does not process payments or replace your payment processor. We provide visibility into your existing payment processing costs so you can understand what you are paying and why.
Who is Paygent.ai for?
Paygent.ai is built for small and mid-sized businesses that accept card payments and want clarity on their fees. It is especially helpful for businesses that feel confused by monthly statements, blended rates, or unexpected charges.
What problem does Paygent.ai solve?
Paygent.ai solves the lack of transparency in payment processing. Many business owners cannot easily identify their true effective rate or how much of their fees are processor markup. Paygent.ai makes those costs clear.
What is an effective rate?
Your effective rate is your total processing fees divided by your total processed volume. It is the simplest way to understand what you paid overall for card acceptance during a given period.
What are interchange fees?
Interchange is a baseline fee paid on each card transaction that goes to the bank that issued the customer’s card. It is set by card networks and is separate from the markup charged by your processor.
Where do processors make money?
Processors earn revenue through markup added on top of interchange and network fees. That markup may appear as a percentage, per-transaction fee, monthly fee, or other line items depending on the pricing model.
Can Paygent.ai help me find hidden fees?
Yes. Paygent.ai is designed to surface confusing or unexpected fees and make it easier to spot markups, rate creep, and miscellaneous charges that are difficult to identify on traditional statements.
Does Paygent.ai switch my processor for me?
No. We do not switch processors on your behalf. When relevant, we can introduce you to transparency-aligned processor partners so you can explore options and decide what is best for your business.
Is Paygent.ai secure?
Paygent.ai is built with privacy and security in mind. We focus on fee transparency and cost insight, and we do not sell user data.
