PAGOS 2025 WRAPPED

$1.2 TRILLION

Optimized across the Pagos merchant network β€”
that is real payments intelligence you can benefit from.

Since launch, Pagos keeps defining new milestones. Each payment event we ingest further fuels our network effect services and the optimization insights we offer our merchants.

15B+
OPTIMIZED EVENTS
25M+
TRANSACTIONS ADDED PER DAY

Global Insights

With a roster of global enterprise clients,
Pagos ingests transaction events across:

Payment Methods
Issuer Countries
Currencies
Representing over $1.2 Trillion in transaction volume
+
Processors
100s of Merchants
across
5 Continents

Scale delivers measurable value.

As the Pagos merchant network grows, every business benefits. Shared intelligence powers optimized processing.

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$250M+
cost savings identified

Merchants across the Pagos network have saved over $250 million in processing costs through optimized routing and intelligent retry strategies.

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20%
Auth Rate Improvements

Network-wide insights and benchmarking have helped merchants improve authorization rates by an average of 20%.

SCALE IN MOTION

REQUESTS PER SECOND

Peak in December (real-time)

Real-time traffic growth

DEC 2025900 req/sec
NOV 2024~145 req/sec

That's 6.2Γ— growth
in real-time traffic on the Pagos platform in under a year.

Pagos AI Got Smarter.
From answers to active monitoring.

Pagos AI is the intelligence layer powering monitoring, benchmarking, and insights across the platform. In 2025, it evolved to help teams understand data changes in real-time.
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Cost Optimization

Understand every variable impacting your costs, from interchange and network assessments to processor fees.

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Conversational

"What's our cost driver?"
|

Explore your payments data with natural language queries.

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AI Summaries

Summarized analysis across approvals and declines to explain behavior shifts instantly.

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Alert & Monitoring

Real-time monitoring keeps your team informed of critical changes as they happen.

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Detects Early

Automated anomaly detection flags unusual patterns or deviation from expected KPIs before they scale.

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Benchmark

Compare your performance against industry peers to distinguish between local issues and broader ecosystem shifts.

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Self On-Boarding

Configuration that allows you to deploy and connect your data without long dev cycles.

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Works Everywhere

ChatGPT
Claude

Connect via our MCP Server to external AI tools.

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Quantifies Impact

Assign dollar values to estimated savings opportunities.

Optimized Processing
Behaviors

With Pagos on their side, our merchants quickly adapted to changing payments trends to stay on top.

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Benchmarking Changes

Pagos identified a common decline code shift among our merchants and tied it back to a single PSP-issuer combination. With benchmark comparisons, merchants know when an issue is industry-wide or only impacting them.

Source: Pagos
πŸ›οΈ

New Payment Methods

With evolving methods like BNPL, merchants used Pagos to track costs and A/B test offering to attract more shoppers.

Source: Pagos
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Network Changes (VAMP)

When Visa changed how they track and measure risk, Pagos gave merchants full visibility of their VAMP exposure to avoid cost spikes.

Source: Pagos
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Fighting Churn

New β€œStop All Recurring” issuer controls shifted subscription cancellations away from merchants. Pagos tracks these declines so you can identify opportunities to recover subscribers.

Source: Pagos
πŸ•·οΈ

Finding Hidden Fraud

Pagos’ BIN-level anomaly detection helps merchants determine when volume spikes are carding attacks.

Source: Pagos
🧠

Retrying Smarter

Optimization replaced brute force. Pagos merchants used data to identify optimal retry attempts that maximize recovery without driving up costs.

Source: Pagos
πŸ“Š

Benchmarking Changes

Pagos identified a common decline code shift among our merchants and tied it back to a single PSP-issuer combination. With benchmark comparisons, merchants know when an issue is industry-wide or only impacting them.

Source: Pagos
πŸ›οΈ

New Payment Methods

With evolving methods like BNPL, merchants used Pagos to track costs and A/B test offering to attract more shoppers.

Source: Pagos
πŸ“‘

Network Changes (VAMP)

When Visa changed how they track and measure risk, Pagos gave merchants full visibility of their VAMP exposure to avoid cost spikes.

Source: Pagos
πŸ›‘

Fighting Churn

New β€œStop All Recurring” issuer controls shifted subscription cancellations away from merchants. Pagos tracks these declines so you can identify opportunities to recover subscribers.

Source: Pagos
πŸ•·οΈ

Finding Hidden Fraud

Pagos’ BIN-level anomaly detection helps merchants determine when volume spikes are carding attacks.

Source: Pagos
🧠

Retrying Smarter

Optimization replaced brute force. Pagos merchants used data to identify optimal retry attempts that maximize recovery without driving up costs.

Source: Pagos
πŸ“Š

Benchmarking Changes

Pagos identified a common decline code shift among our merchants and tied it back to a single PSP-issuer combination. With benchmark comparisons, merchants know when an issue is industry-wide or only impacting them.

Source: Pagos
πŸ›οΈ

New Payment Methods

With evolving methods like BNPL, merchants used Pagos to track costs and A/B test offering to attract more shoppers.

Source: Pagos
πŸ“‘

Network Changes (VAMP)

When Visa changed how they track and measure risk, Pagos gave merchants full visibility of their VAMP exposure to avoid cost spikes.

Source: Pagos
πŸ›‘

Fighting Churn

New β€œStop All Recurring” issuer controls shifted subscription cancellations away from merchants. Pagos tracks these declines so you can identify opportunities to recover subscribers.

Source: Pagos
πŸ•·οΈ

Finding Hidden Fraud

Pagos’ BIN-level anomaly detection helps merchants determine when volume spikes are carding attacks.

Source: Pagos
🧠

Retrying Smarter

Optimization replaced brute force. Pagos merchants used data to identify optimal retry attempts that maximize recovery without driving up costs.

Source: Pagos
← DRAG TO EXPLORE β†’
WHAT'S NEXT

Building the Future of Payments Intelligence.

We're working on new capabilities to help merchants optimize every aspect of their payment operations.

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Retries

Advanced retry optimization with intelligent routing and timing strategies.

Coming soon
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Churn

Predictive churn analysis to identify and prevent customer loss before it happens.

Coming soon
πŸ›£οΈ

Routing

Dynamic payment routing optimization to maximize success rates and minimize costs.

Coming soon
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