Turn payments into enterprise value.
Payment revenue changes how buyers value you. Software-only platforms traded at 8.4x revenue. Platforms with embedded finance, 10.3x. Platforms monetizing multiple financial products, 12.7x.1
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1. William Blair, “How Embedded Finance Drives Enterprise Value and Increases Multiples for SaaS Platforms,” September 2025. Median EV/Revenue across approximately 100 William Blair transactions, 2020 to present, involving privately held North American software companies with $100M–$3B enterprise values. Not a forecast of any individual company’s outcome.
See every routing decision, recovery, and payout in real time.
By the numbers
The infrastructure thousands of businesses trust
- 25k+
- Sub-merchants served
- 100+
- Global currencies
- $500M+
- In transaction volume
- $35M+
- Annual revenue recovered
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
New Payment Revenue / Year
$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
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
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.
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
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
Security and compliance tooling built for regulated volume. You stay the merchant of record; we give you the infrastructure to handle it.
AI Natural Language Routing
Build complex routing rules across all merchants in plain English.
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'
});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 product means you're not the merchant of record, so sales tax and VAT registration, filing, and remittance aren't yours. No foreign entity required.
Explore Payments AI MoROn Payments AI MoR, sell internationally without registering your own foreign entity
On Payments AI MoR, VAT and sales tax are collected at checkout and remitted for you across the US, EU, and UK
On Payments AI MoR, the merchant of record files chargeback responses with the card networks.
Connect Cursor, Claude, or any agent
Ready to monetize your
platform's payments?
Book a call — we'll model your payment revenue and exit-multiple lift on your actual volume