Intelligence Behind Every Payment.
The Enterprise Payment Intelligence Platform.
Payments are fragmented across PSPs, gateways, orchestrators, acquirers, schemes and issuers — and no single player owns the intelligence. PayIntel builds that missing payment intelligence layer. It sits on the merchant side of the table, works alongside your existing providers and replaces none of them.
US$0T+
Annual digital payment value
0%
Fails at the payment step
US$0.00T
Recoverable, still unrecovered
PayIntel · Payment Intelligence Layer
Sits on the merchant side, above every provider. Diagnoses why payments fail, quantifies recoverable revenue and prioritises action.
Auth Rate
+140 bps
US$4.2M ÷ US$300M
Recoverable
US$4.2M
25% of US$16.8M in yr 1
LTV at Risk
US$11.8M
US$4.2M × 2.8 lifetime
Illustrative base for these figures
US$300M annual payment value → 8% fails (US$24M) → 70% recoverable (US$16.8M) → 25% captured in the first 12 months = US$4.2M, equal to +140 bps of approval rate. Recovered customers are worth 2.8× their first order over their lifetime = US$11.8M of lifetime value protected.
Customer
Checkout
Orchestration
Gateway / PSP
Acquirer
Issuer
US$1.96 trillion is recoverable — and still unrecovered.
Every step below is a published industry range applied to the step above it, so you can follow the arithmetic end to end.
Starting point
Annual digital commerce payment value
US$50T+
8% of US$50T
Value lost to payment failure
US$4T
70% of US$4T
Failure that is technically recoverable
US$2.8T
70% of US$2.8T
Recoverable value still left unrecovered
US$1.96T
How the funnel is calculated
- US$50T+ — annual global digital commerce payment value.
- 8% — share of that value that fails at the payment step (US$4T).
- 70% — share of failed value that is technically recoverable (US$2.8T).
- 70% — share of recoverable value that is never actually recovered, because no one owns payment intelligence (US$1.96T).
Percentages are industry reference ranges used consistently across this site. Your own funnel is calculated from your estate in the ROI calculator.
Payment intelligence is an enterprise problem — not an infrastructure feature that can be outsourced.
Processing is solved and can be bought. Payment intelligence cannot: your customers, your margins and your commercial decisions belong to you, so the intelligence about them has to sit on your side of the table.
Intelligence, quantified
Every basis point of authorization rate translated into revenue, LTV and margin.
Ask yourself
Can your current reporting tell you what one basis point of approval rate is worth in revenue?
Diagnosis, not dashboards
AI reasoning over failures explains why payments fail and which are avoidable.
Ask yourself
When a decline rate moves, does anything in your stack explain why — or only that it moved?
Continuous optimization
Prioritised, ROI-ranked actions across the full ecosystem, monitored over time.
Ask yourself
Do you have a ranked list of payment actions by expected value this quarter?
Executive clarity
One version of payment truth for finance, product and payment leadership.
Ask yourself
If finance, product and payments each reported approval rate today, would the three numbers match?
See what the absence of payment intelligence is costing your enterprise.
Start with the opportunity, not the product.