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AI-Powered Payment Orchestration

Turn payments into 2x your exit multiple.

Upgrade from 4x SaaS multiples to 8x financial infrastructure multiples. Integrate our AI payment APIs and reclaim 6–11% of platform sales.

Talk to Sales Get Started

or Try it now inside of ClickFunnels

!
Rerouted → Adyen
+$4,820
Recovered
Live Dashboard

See every routing decision, recovery, and payout in real time.

Payments AI dashboard showing live routing decisions, recovered payments, and payoutsPayments AI dashboard showing live routing decisions, recovered payments, and payouts

By the numbers

The infrastructure thousands of businesses trust

25k+
Sub-merchants served
100+
Global currencies
$500M+
In transaction volume
$35M+
Annual revenue recovered
Revenue & Valuation Calculator

How much is your payment
volume actually worth?

You go to market at 2.9% + $0.30 and keep your share of a 120 bps spread. See the revenue — and the exit value — it unlocks.

Your Platform Metrics

Annual Payment Volume
Total GMV flowing through your platform
$100.00M
Your Revenue ShareSET BY VOLUME

Your $75M–$250M volume earns a 60% share of the 120 bps spread

60%
Current SaaS ARR
Your annual recurring revenue today
$5.00M

New Payment Revenue / Year

$720,000

$1.20M spread pool at 120 bps × your 60% share. This revenue earns an 8× multiple vs. 4× for pure SaaS.

Your New Enterprise Value

Enterprise Value

$25.76M
+$5.76M vs. SaaS alone
SaaS only (4x)$20.00M
SaaS + payments (8x)$25.76M
New Payment Revenue
$720,000
120 bps × 60% share
New Total ARR
$5.72M
payments + SaaS
Valuation Increase
$5.76M
exit value unlocked
Talk to Sales
Business Case

How fixing one data gap unlocked
$35M across a global platform

Why leading commerce platforms use Payments AI APIs to maximize merchant conversion.

35% → 70%
Authorization rate lift
$35M+
Annual revenue recovered
14 days
Audit to deployment

The Problem

Sub-merchants were losing 6.5 of 10 international customers at checkout.

  • Legacy arch stripped essential Trust Signals
  • Transactions flagged high-risk with no context
  • No email, address, or phone in the payload
  • Platform couldn't diagnose the conversion drop

The Solution

We enriched the data layer — not just the code.

  • Implemented the Identity Trinity platform-wide
  • Email, address, and phone enriched for every transaction
  • Banks saw complete Trust Signals — risk scores fell
  • Sub-merchant approvals doubled overnight

Works seamlessly with

  • Stripe
  • PayPal
  • Klarna
  • SplitIt
  • NMI
  • Coinbase
  • Payments AI
Also from Payments AI

Wondering if this is for you?

Discover what else we offer. Our tools are built for different business goals, not different budgets. Let's find your match.

Find your fit
Why PaymentsAI

Unlock the revenue your current setup leaves behind.

Payment Method Vaulting

If a gateway goes down, perfectly vaulted cards ensure subscription billing never misses a beat.

  • Survive gateway shutdowns without losing subscriber data
  • Auto card updater syncs new numbers and expiry dates
  • PCI-compliant tokenization — you never touch raw card data

Waterfall Gateway Routing

Retry declined transactions on the next best gateway in milliseconds — recovering 6–11% of sales platform-wide.

Live Waterfall

Gateway 1 — Declined
—
Gateway 2 — Declined
—
Gateway 3 — Approved
—

Processing transaction...

Full Feature Suite

A payment intelligence platform — not a patchwork of tools

  • Frictionless Onboarding

    Automated KYC/KYB lets merchants start accepting payments instantly.

  • Split Payments & Routing

    Automatically split funds between your platform fee and sub-merchants.

  • White-label Experience

    Keep your brand front and center with a fully customizable checkout.

  • Developer-First API

    Generate core backend code automatically. Integration in days, not weeks.

  • Bank-Grade Compliance

    Offload your regulatory burden. Enterprise security standards.

  • AI Natural Language Routing

    Build complex routing rules across all merchants in plain English.

Developer Experience

Generative Integration:
Docs to production in days.

Meet the PaymentAI Orchestrator. We generate secure backend infrastructure for your platform automatically — so your team ships faster.

View Full API Docs 
// Initialize the client
const pai = new PaymentsAI({
  apiKey: process.env.PAI_SECRET_KEY,
  environment: 'production', // or 'sandbox'
});

// Process a payment
const transaction = await pai.transactions.create({
  type: 'sale',
  customerId: 'cus_123',
  currency: 'USD',
  amount: 10000,
  redirectUrl: 'https://example.com/payment/callback'
});
Type-safe
Production-ready
orchestrator.nodejs
Auto-Generated
Also from Payments AI

Building an AI app, not a platform?
Meet Payments AI MoR.

If you're shipping a single AI product rather than orchestrating a marketplace, our Merchant of Record platform takes on all the legal, tax, and compliance liability — no foreign entity required.

Explore Payments AI MoR
No foreign entity needed

Sell globally under our existing licenses

Zero tax setup

We handle VAT, sales tax, and remittance

Zero Chargeback Liability

We handle total transaction liability so you can just build business.

MCP-ready in minutes

Connect Cursor, Claude, or any agent

25,000+ businesses already inside

Ready to monetize your
platform's payments?

Book a call — we'll model your payment revenue and exit-multiple lift on your actual volume

Talk to Sales
No credit card requiredSetup in under 48 hours