No. Paygent.ai analyzes payment data to provide oversight, clarity, and recommendations. We help you understand your payment processing costs and identify best-fit processors, but we are not a payment processor.

Paygent.ai is an AI-powered analytics platform that uses a foundation model LLM and a human-in-the-loop architecture.

We use AI as a transparent, responsible tool to clarify payment processing fees and help small business owners navigate a complex ecosystem with confidence, rather than to obscure reality or replace human judgment.

For more information about how Paygent.ai uses AI, see our AI Positioning page.

Your payment processor serves as a direct intermediary with the bank, handling the authorization and movement of funds between you and your customers. This is often at your expense, the merchant.

Paygent.ai never processes or moves money. We help to expose and explain their fees so you can further optimize costs. You can think of us as your independent guide.

Most small businesses overpay without realizing it. Our platform makes payments simple, transparent, and optimized — no expertise required.

Simply click the Request a Free Audit button at the top of this webpage. There 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.

Absolutely. Paygent.ai looks only at what's needed to understand where money is slipping away, spot fee patterns, and give insights personalized to your business. We never store sensitive payment details such as card numbers, account numbers, or transaction data. 

Our platform is also compliant with SOC 2 Type 2 and PCI DSS. You can also view our Privacy Policy.

Yes! It is 100% free to have your payment processing statement reviewed by Paygent.ai. We may introduce pricing later, but right now, we care most about helping more businesses gain clarity on how payment processors affect them.

Paygent.ai may earn referral or introduction fees from payment providers when users choose to engage with them. This will not affect audit results nor influence our recommendations.

Raw payment statements are securely stored for up to 90 days, while audit reports are retained for user access unless deletion is requested.

Paygent.ai can introduce you to alternative payment providers when available and, with your consent, may share selected business information to facilitate those conversations. The decision and process of switching providers will continue to be handled directly by you and the provider.

Paygent.ai is built for small business owners, service operators, and creators who want clarity, transparency, and confidence in their payment processing costs.