No. Paygent.ai never processes or moves money. We analyze payment data to provide oversight, clarity, and recommendations.

“.ai” signals artificial intelligence. Paygent.ai is an AI-powered SaaS analytics platform — a completely different category from processors.

Processors charge and move your money. We expose and explain their fees so you can optimize costs. 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.

Please click the Request an Audit, button also 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. We only read statement data to create insights and never store sensitive payment details such as card numbers, account numbers, or transaction data.

Yes! It is 100% free to have your payment processing statement reviewed by Paygent.ai. This may become a paid service but while we are still growing, it's more important to help bring clarity to as many business owners as possible.

Paygent.ai may earn referral or introduction fees from payment providers when users choose to engage with them, without affecting audit results or 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, but the decision and process of switching providers are 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.