One stack for everyone in payments.
Whether you sell payments or use them, the AI stack gives you the leverage that used to live only inside processor back-offices. And when the stack doesn't cover your problem, we build the layer that does.
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
We started on the other side of the counter.
Before AiPaymentsLab, we were the operators — signing merchants, setting up terminals, boarding accounts. From that seat one thing was impossible to unsee: businesses everywhere were overpaying for processing and had no idea. The markup hid in plain sight — interchange, assessments, padded effective rates, a maze of monthly line items. And every expert offering to fix it was really selling a new contract.
So we moved to the other side of the table. RatesNegotiator came first: read the statement like an insider, then negotiate with the processor the merchant already has. The NMI Toolkit came from our own daily gateway friction. The Clover Dashboard came from our own merchants' reporting requests. That's the pattern the company is built on: everywhere our operating business feels a monthly pain, AiPaymentsLab ships a product.
Ready to see what your stack is capable of?
Browse the full AI stack to find the layers built for your operation — or tell us what you're trying to solve and we'll build the layer that does.