WE'RE BUILDING THE FUTURE OF PAYMENTS.
Purpose-built AI for the ISOs who sell accounts and the merchants who run them. Ten tools across four monetization lanes — cutting costs, assuring revenue, and winning deals inside the payments stack.
The payments stack leaks money at every layer.
One console for every MID you run.
❯ Connecting to NMI Gateway cluster [us-east-1]...
✔ Authenticated via token. Vault active.
❯ Fetching batch #8942-A...
Analyzing interchange rates...
BIN 4532** match: VISASIGNATURE
Warning: Downgrade detected on Tx #99283 (missing Level II data)
BIN 5424** match: MASTERCARD WORLD ELITE
❯ Optimizing next batch...
Two sides of the terminal. One toolkit.
Whether you're closing accounts or running them, AiPaymentsLab gives you the leverage that used to live only inside processor back-offices.
For ISOs & Payment Agents
Close more deals, retain more accounts, and run your portfolio like a software company. Automated tools handle residual recon, deal screening, merchant risk, and processor billing audits — freeing you to sell.
- ▸Statement analysis & rate negotiation playbooks
- ▸Residual reconciliation & missing payout alerts
- ▸Deal pre-screening, risk scoring & processor matching
- ▸Processor billing audits that find what you've been missing
- ▸Statement-to-sales-plan coaching for every rep on the floor
For Merchants
Stop overpaying on every swipe. Upload a statement and see exactly where every basis point is going — then use the same tools your processor uses to cut fees, win disputes, and run your terminals across every location.
- ▸Audit your statement and see hidden fees in 60 seconds
- ▸AI-drafted chargeback rebuttals — keep 100% of what you win
- ▸Multi-location Clover & NMI management at portfolio scale
- ▸Consolidated reporting across every processor in one view
Upload a statement. See exactly what you're overpaying.
Drop your most recent processing statement. Our AI flags hidden fees, downgrades, padding, and non-qualified surcharges — then sends you a plain-English breakdown with a target rate.
- ▸PDF, CSV, image — any processor
- ▸Results in under 24 hours
- ▸No obligation. No sales pitch.
- ▸Encrypted in transit. Deleted after analysis.
Four monetization lanes.
Every tool is mapped to the exact problem it solves. Find the lane that fits your operation.
Merchant Cost Reduction
Cut processing costs, surface hidden fees, and win back chargebacks.
Gateway & POS Operations
Command NMI and Clover at portfolio scale — one pane for all MIDs.
Revenue Assurance
Reconcile residuals, flag missing payouts, and stop silent attrition.
Deal Flow & Underwriting
Pre-screen deals, route to the right processor, and board with confidence.
THE TOOLKIT
Ten purpose-built AI agents and utilities. No wrappers. No templates. Raw capability injected into your payments workflow.
Don't see your problem? We'll build the tool.
Every payments operation has its own quirks — a legacy gateway, a one-off reporting requirement, an integration nobody wants to touch. We design and ship custom AI tooling around your stack. Days, not quarters.
- ▸Gateway & processor integrations
- ▸Statement & residual automations
- ▸Internal CRM & ops dashboards
- ▸AI agents for support & underwriting
- ▸Bulk data migrations & cleanup
- ▸Anything your processor won't build
BUILT FOR THE METAL.
Direct API Integrations
We don't scrape. We plug directly into First Data, TSYS, NMI, and Auth.net APIs for millisecond response times.
Zero-Knowledge Vaulting
Your merchant data is tokenized on edge. Our LLMs only see the anonymized metadata required to process the request.
Deterministic AI Outputs
Payments require precision. We use constrained generation and strict JSON schemas to ensure our agents never hallucinate a rate.
const result = await parser.analyze({ statement_pdf: buffer, processor: "TSYS", extract_fields: ["discount_rate", "monthly_min"]});if (result.hidden_fees > 0) { await negotiator.draftProposal({ merchantId: req.body.mid, targetSavings: result.hidden_fees, tone: "aggressive"});}STEP INTO THE FUTURE OF PAYMENTS.
Tell us about your operation. We'll get back within one business day with access details, a tailored quote, and a personalized walkthrough.