Independent Payments Intelligence
See
Payment
Problems
on
Day
One
Pagos is the independent layer for payments teams. We monitor and help optimize your entire payment stack, surfacing issues the moment they appear and telling you exactly what to do about them.
$2T+
in payment volume analyzed
100B+
events
monitored
30M+
records added daily
Active Alerts
4
Approval Rate Drop
Visa credit on PSP A dropped 3.2%…
New Penalty Fee Warning
Excessive Retry fee on PSP B…
Fee Subcategory Spike - Cost
Cross-boarder assesment +18% on EU…
Companies of all sizes trust Pagos for payments expertise
01 Foundation
Data Harmonization
See all your processors' decline codes, fees, and metrics in one normalized, consistent data stream.
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Benchmarking
Compare your performance against $2T+ in cross-merchant volume from the Pagos network.
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Pagos AI
Ask anything about your payments in plain language and receive verified, chart-backed answers.
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MCP Data Pipeline
Access your harmonized payments data directly from Claude, ChatGPT, and Gemini.
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02 Intelligence
Payments Monitoring
Receive real-time alerts on approval-rate drops, fee spikes, and compliance risk.
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Insights & Opportunities
See exactly where to focus, ranked by revenue and cost impact.
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Cost Optimization
Monitor every fee, penalty, and interchange tier, and finally understand what's driving your effective rate.
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Decision Signals
Discover which transactions to retry, where to route, and when to try again.
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03 Credential Management
BIN Data
Access card-level intelligence pulled directly from global and local network feeds, including card type, tier, issuer, country, & more.
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Account Updater
Refresh expired and replaced cards before they fail, and cut involuntary churn.
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Network Tokenization
Tokenize across every major network to lift approval rates and reduce credential risk.
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Credential Management
Keep cards alive. Reduce credential risk. Lift approval rates.
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Why Pagos
Pagos doesn't process or route payments. We sit above your entire stack as a neutral layer with one job: to provide you with the clearest, most complete view of how your payments are actually performing.
Single-provider view
Individual payments providers show only their own slice.
Performance grading conducted by the biased provider
No view across the other providers in your stack
Metrics and definitions that don't line up provider to provider
Reports built for browsing, not for catching issues early
The Pagos layer
One complete, neutral view across everything you run.
Harmonized view of data from every processor in your stack
Your data benchmarked against $2T+ in cross-merchant volume
One consistent definition of every metric, everywhere
Tools designed to help you optimize & catch issues the day they appear
The timeliness proof
You shouldn't celebrate catching a payments issue six months in. The best Payments teams catch problems in days instead of quarters, and in real time wherever your data streams live.
Days, not quarter-end
Misclassified Fees
With Pagos, a fee anomaly that typically wouldn't surface until a quarterly review is flagged within days—early enough to dispute and recover in the same period.
As fast as your data
Processor Degradation
When processors degrade over time, approval rates slip, retries creep up, and fees change. Pagos flags the drift as your data lands, not in hindsight after problems compound.
Week one, not Q3
Silent Approval Decay
A cross-platform approval rate gap is invisible inside any single provider's reporting. Pagos sees your entire stack and flags issues before they impact your bottom line.
"Pagos
is
like
a
Google Analytics
for
payments.
It
gives
us
a
view
across
our
whole
stack
that
we
could
never
get
from
any
single
provider."
DN
David Newell
VP - Growth / Payments Leader
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