Pagos AI
Ask Anything
About Your Payments
Pagos AI uses your real transaction data to answer any payments question instantly, accurately, and in plain language. No waiting for custom reports or scheduling time with consultants.
What was my fee breakdown in Q1
Pagos AI is thinking….
THE SHIFT
Do More
With Less Resources
Every question costs time and resources payments teams don't have. They need answers, not more dashboards.
Requires a lot of manual work, including:
X Export data from each processor separately
X Normalize decline codes and fee labels in spreadsheets
X Build charts to answer each question
X Wait for analyst availability or consultant engagement
X Spend days or weeks looking for each answer
X Rely on whoever has the most payments domain expertise
HOW IT WORKS
Talk to Your Payments Data
Like it's Your Colleague
Ask questions about costs, conversion, declines, routing, trends, or compliance. Pagos AI has context from the page you're on and can answer anything about your processing performance.
Pagos AI
Pagos MCP:
Compare approval rates across our PSPs in APAC over the last 30 days.
Pagos.ai
APAC Approval Rates (Last 30 Days)
Processor A: 91.2% (+0.3% vs. prior period)
Processor B: 87.4% (−1.8% vs. prior period)
Processor C: 93.1% (+0.1% vs. prior period)
Processor B's decline rate increased primarily on Visa credit cards from Japanese issuers. The top decline code is "Insufficient Funds" (14N), which jumped 2.4x in the last two weeks. This pattern is not visible on the Pagos network benchmark, suggesting it may be configuration-specific. Would you like me to break down Processor B's declines by issuer?
Hello, I'm here to help make sense of your payments data…
CAPABILITIES
Payments Expertise,
Accessible to Everyone
Decline code breakdown in the last 14 days
Here's the breakdown of declines by decline code over the last 14 days:
Decline Code
Declined Count
Not Sufficient Funds
63,954
Do Not Honor
37,367
Transaction Not Allowed
13,830
Refer to Issuer
13,234
Suspected Fraud
12,753
Blocked Excessive Retry
11,052
Create a new chart from this data?
Approve
Conversational Data Access
Ask questions in natural language, and receive data-backed answers with supporting charts and tables. No SQL, no pivot tables, no specialized training required.
How does this May compare to last May?
Context: Charts Page
Thought for 12s
Context: Charts Page
Here's the month to month comparison for
May 2025 vs. May 2026
Date
Approval Rate
May 2025
73.91%
May 2026
85.23%
Context-Aware Responses
Pagos AI knows which dashboard page you're viewing and uses it as context. Ask, "How does this May compare to last May?" while viewing your approval rate chart and get a relevant answer.
Pagos AI
Here's the effective rate by processor for Q1 2026 (March 1 – May 31):
Create a new chart from this data?
Approve
Would you like to view this data in Events?
Yes
Hello, I'm here to help make sense of your payments data…
Data Visualization
Ask for charts and Pagos AI generates them. "Show me our effective rate by processor for the last quarter" produces a visualization you can review, save, and share.
Pagos AI
Not Sufficient Funds (27.9%) is the top decline reason, followed by Do Not Honor (18.7%) — together accounting for nearly half of all declines.
Would you like to drill into any of these codes further, such as by processor or card brand?
Would you like to view this data as a new Chart?
approve
Hello, I'm here to help make sense of your payments data…
Follow-Up Suggestions
After each answer, Pagos AI suggests the next logical question or action. Each response leads to deeper understanding without requiring you to know what to ask next.
Pagos AI
Thought for 12s
Context: Home
Here's the effective rate by processor for Q1 2026 (February – April)…
Hello, I'm here to help make sense of your payments data…
Industry + Your Data
Pagos AI combines payments industry knowledge (e.g. interchange tiers, network fee programs, compliance thresholds) with your specific harmonized transaction data. Answers are grounded in both.
Pagos AI
Thinking
Reviewing your harmonized transaction data...
Applying payments industry benchmarks and fee rules...
Analyzing network, interchange, and processor costs...
Identifying patterns across your payment activity...
Grounding insights in both your data and payments industry knowledge...
Preparing a data-backed answer...
Hello, I'm here to help make sense of your payments data…
Verified Answers
Every response is built on your actual harmonized data, not generated from general training. When Pagos AI states a number, it's pulling from your real transaction events.
ACCESS ANYWHERE
Your Payments Data in Your
Preferred AI Tool
Pagos AI lives in the Pagos dashboard. For teams that prefer their existing AI workflows, the Pagos MCP server brings the same intelligence to Claude, ChatGPT, and Gemini with secure authentication through your Pagos account.
Pagos Dashboard
Built-in chatbot with page-level context, data visualization, and suggested follow-ups.
Your Preferred Agent
Connect any AI agent through MCP and securely access business data across your established tools and workflows.
THE FOUNDATION
Reliable AI Requires
Clean Data.
AI systems produce useful outputs only when the underlying data is clean, consistent, and complete. Pagos harmonizes your transaction data from every processor, normalizes it into a single schema, and enriches it with BIN metadata and network signals—all before AI touches it. This is what makes Pagos AI trustworthy.
Data Connections
Add Data Connection
Processor
Chase Integration
Chase
Connection Type
Batch
Created date
17 May, 2025
Adyen US Market
Adyen
Connection Type
Batch
Created date
17 May, 2025
Consolidate
Ingest raw data from every processor into one system.
Charts / Transaction Count By Processor and Transaction Status Across Time
Transaction Count
Processor
Across Time
Add Filter
Transaction Count by Processor and Transaction Status Across Time
The total number of attempted Transactions across time when split by Processor and Transaction Status
324,848
80,000
60,000
40,000
Normalize
Map every field, code, and fee to a single canonical schema.
{
"number": {
"length": 16
},
"bin_length": 6,
"bin_min": "4147200000000000000",
"bin_max": "4147209999999999999",
"pan_or_token": "pan",
"virtual_card": null,
"level2": false,
"level3": false,
"alm": true,
"account_updater": true,
"domestic_only": false,
"gambling_blocked": false,
"issuer_currency": "USD",
see more…
Enrich
Augment with BIN data, network signals, and cross-ecosystem context.
FAQ
Related Topics
Product
Pagos MCP Server
Connect Pagos AI to Claude, ChatGPT, and Gemini with secure authentication.
Read More
Product
Insights & Benchmarking
Analytic dashboards and AI-powered insights across all your processors.
Read More
Product
Payments Monitoring
Real-time anomaly detection and intelligent alerts for conversion and cost.
Read More
Learn
Payments Optimization
How AI, monitoring, and intelligence work together to improve performance.
Read More
Your Payments Team
Just Got Larger.
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