Payments Intelligence Requires Intelligent Payments Tools

There’s no shortage of tools on the market for turning your raw payments data into dashboards of visualizations. When it comes to turning it into something actionable, however, you need much more. Generic data platforms aren’t built for payments; they require complex setups, ongoing maintenance to keep up with payments industry changes, and deep payments expertise just to get integrated with your various processors. After tackling all the complexities of importing your payments data, however, you’re still not done! You must then manually aggregate those data sources and identify how to organize and segment your data properly to pull real insights from it.

At Pagos, we offer a true AI-powered payments intelligence platform, built by industry veterans who understand the challenges your business faces daily. Our mission is to simplify one of the complexities of commerce by making payments expertise accessible with out-of-the-box tools. In other words, we don’t just make dashboards for visualizing payments data—we’re a partner in building and managing payments. Let’s break down why that matters.

Get Up and Running Fast—No Code, No Hassle

Pagos is designed for payments. That means we take care of all the heavy lifting for you, including normalizing data across processors, de-duplicating transactions, and even layering in the context you need to understand what’s really going on. Our tools connect directly to payment processors like Stripe, Adyen, and Braintree via secure, no-code integrations. You’re up and running in minutes—not months—with fresh data continuously streaming into the Pagos platform in near real-time. Behind the scenes, our AI handles everything from anomaly detection to metric calculation across processors, so you can immediately compare performance data side by side

Trying to do this yourself isn’t just hard, it’s impractical. Building integrations from scratch, manually mapping data, and preparing dashboards that tell a meaningful story—most payments teams don’t have the resources for this kind of work, and those who try end up with an in-house solution that still doesn’t match up to the out-of-the-box speed and flexibility Pagos oulpffers. We take care of everything for you, so you can put your valuable time and resources towards your core product and customers. 

What is Out-of-the-Box Payments Intelligence?

Payments intelligence is the process of transforming raw payments data into actionable insights that help you increase conversions, reduce costs, and better understand customer behavior. It’s about using data—not guesswork—to make smarter decisions across your payments stack, including tracking known issues and identifying new action items.

Pagos’ insights transform your payments data into actionable intelligence the moment it’s ingested. Our dashboards and metrics are built by payments professionals to help you spot optimization opportunities, monitor costs, and track performance—without needing to define everything yourself. And with Pagos Copilot, you can explore your data using AI trained specifically on payments.

Our platform includes:

• Predefined KPIs like approval rate, chargeback rate, and retry success

• Clear categorization of payment costs and fees, including effective rates per processor, network, and payment method

• Expertly designed payments data dashboards for management reporting

• Automated anomaly detection and alerting for sudden changes in transaction volume, approvals, declines, and more

• Estimated cost savings tied to changes like using network tokens, passing enhanced data, or strategically routing debit card transactions

• Fraud and risk tracking, including unique metrics like chargeback win rate and chargeback arrivals over time

• Contextualized benchmarking for measuring yourself against the larger industry

• AI-generated suggestions of insights and trends you might be missing

You don’t have to be a payments expert to make sense of your data—you just need the right tools and context.

Normalize and Compare Across Processors

One of the biggest challenges in payments analytics is comparing data from different processors. Each one structures data differently, reports on different events, and calculates performance metrics in its own way. Pagos solves this with built-in data normalization and support for custom transaction deduplication. We align data fields and definitions across your processors so you can:

• Benchmark approval rates across regions or MIDs

• Track cost trends over time, across all vendors

• Spot anomalies in total declines, regardless of processor or payment method

Optimize Costs and Conversion with Confidence

Too often, companies think of payments data as purely a report on performance. Look at the data, take some screenshots, and report to upper management on how Q2 went. If that’s all you use it for, you’re missing out in a huge way. When you look at your data through the lens Pagos provides, you can:

• Uncover cost-saving opportunities available through network tokenization or passing enhanced transaction data

• Detect new fees and penalties in real time—and get tailored recommendations to avoid them

• Optimize and evolve your mix of accepted payment methods confidently

• Understand who your customers are—both the legitimate and the fraudulent

• Tag transactions with your own business context (e.g. advertising campaign, retry attempt, or subscription tier) and segment performance by these details

These insights help you act quickly and confidently to improve authorization rates, reduce costs, and create a better experience for your customers.

Make Payments Intelligence Your Competitive Edge

Your payments data holds the answers to some of your business’s most pressing questions—but only if you can make sense of it. Pagos gives you the tools to stop reacting and start optimizing, with insights that help you drive real outcomes like increased conversion and lower costs.

You don’t need months of implementation to get there. You just need the right tools and the right partner. Let’s turn your payments data into a strategic advantage. Contact Pagos today!