PAGOS 2025 WRAPPED

$1.2 TRILLION

Optimized across the Pagos Merchant Network
that is the real payments intelligence to benefit from.

Since launch Pagos keeps defining milestones. This isn’t a celebration of scale — it’s how Pagos transforms its data into payments network intelligence.

15B+
OPTIMIZED EVENTS
30M+
TRANSACTIONS ADDED PER DAY

Those events represent just over

$1.2TRILLION

in transaction volume across:

Payment Methods
Issuer Countries
Currencies
+
Processors
100s of Merchants
across
5 Continents

Scale delivers measurable value.

As the Pagos Merchant Network grows, every merchant benefits from shared intelligence, to optimize processing.

💰
$250M+
Costs Savings IDENTIFIED

Merchants across the network have saved over $100 million in processing costs through optimized routing and intelligent retry strategies.

📈
20%
Auth Rate Improvements

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

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 6.2× 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 change in real-time.
📉

Cost Optimization

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

💬

Conversational

"What's our cost driver?"
|

Explore your payments data with natural language queries.

🗣️

AI Summaries

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

🔔

Alert & Monitoring

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

📡

Detects Early

Automated anomaly detection flags unusual patterns before they scale.

📊

Benchmark

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

🚀

Self On-Boarding

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

🔌

Works Everywhere

ChatGPT
Claude

Connect via our MCP Server to external AI tools.

💰

Quantifies Impact

Assign dollar values to opportunities with estimated savings and specific confidence scores.

BEHAVIOR SHIFT

2025 wasn’t just more payments volume.
It was about optimizing processing behaviors.

📊

Behavior Shifted

Issuer, network, and retry behavior changed in measurable ways as traffic scaled.

Source: Pagos Blog ↗
🛍️

Payment Methods

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

Source: Pagos Blog ↗
📡

Network Changes (VAMP)

When Visa changed risk measurement (VAMP), Pagos gave merchants full visibility into exposure to avoid cost spikes.

Source: Pagos Blog ↗
🛑

Subscriptions Controls

New “Stop All Recurring” issuer controls shifted power away from merchants, impacting recovery.

Source: Pagos Blog ↗
🕷️

Finding Hidden Fraud

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

Source: Pagos Blog ↗
🧠

Retrying Smarter

Optimization replaced brute force. Merchants used data to identify optimal retry attempts that maximize recovery.

Source: Pagos Blog ↗
📊

Behavior Shifted

Issuer, network, and retry behavior changed in measurable ways as traffic scaled.

Source: Pagos Blog ↗
🛍️

Payment Methods

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

Source: Pagos Blog ↗
📡

Network Changes (VAMP)

When Visa changed risk measurement (VAMP), Pagos gave merchants full visibility into exposure to avoid cost spikes.

Source: Pagos Blog ↗
🛑

Subscriptions Controls

New “Stop All Recurring” issuer controls shifted power away from merchants, impacting recovery.

Source: Pagos Blog ↗
🕷️

Finding Hidden Fraud

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

Source: Pagos Blog ↗
🧠

Retrying Smarter

Optimization replaced brute force. Merchants used data to identify optimal retry attempts that maximize recovery.

Source: Pagos Blog ↗
📊

Behavior Shifted

Issuer, network, and retry behavior changed in measurable ways as traffic scaled.

Source: Pagos Blog ↗
🛍️

Payment Methods

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

Source: Pagos Blog ↗
📡

Network Changes (VAMP)

When Visa changed risk measurement (VAMP), Pagos gave merchants full visibility into exposure to avoid cost spikes.

Source: Pagos Blog ↗
🛑

Subscriptions Controls

New “Stop All Recurring” issuer controls shifted power away from merchants, impacting recovery.

Source: Pagos Blog ↗
🕷️

Finding Hidden Fraud

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

Source: Pagos Blog ↗
🧠

Retrying Smarter

Optimization replaced brute force. Merchants used data to identify optimal retry attempts that maximize recovery.

Source: Pagos Blog ↗
← DRAG TO EXPLORE →
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.

🔄

Retries

Advanced retry optimization with intelligent routing and timing strategies.

Coming soon
📉

Churn

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

Coming soon
🛣️

Routing

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

Coming soon
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