Response code 85 · No reason to decline.
Most AI gurus have never boarded a merchant. I have.
An AI lab for the payments industry. Custom agents for ISOs, ISVs and payfacs, plus AI products your team can buy or subscribe to. Built by an operator, not a guru.
Find out how many hours your shop leaks a month. No email to see results.
Statements
Your reps spend an hour per statement and still quote wrong.
Boarding
Apps sit for days waiting on one voided check.
Support
Your best people answer “where's my deposit” forty times a day.
Residuals
Agent comp lives in a spreadsheet only one person understands.
Built once, sold to the industry
Products from the lab
No build, no waiting. Buy per use or subscribe.
In private beta
Statement Analysis & Proposal Agent
Reps spend 30-60 minutes per statement squinting at fee lines, and half the proposals go out wrong or never go out.
- →Upload any processor statement (PDF or photo), get an itemized fee breakdown
- →Effective rate, junk-fee flags and an interchange-plus or flat-rate savings proposal
- →Your rate sheet and branding baked in
- →Proposal PDF your reps can send the same day
// sample output
Illustrative numbers, not a real merchant.
Custom builds from the lab
Fixed scope. Shipped in weeks. Measured in hours back.
Statement Analysis & Proposal Agent
Reps spend 30-60 minutes per statement squinting at fee lines, and half the proposals go out wrong or never go out.
40 min back on every statement quoted
Agent Recruiting & Lead Sourcing Engine
Recruiting agents is a spray-and-pray LinkedIn grind. Nobody tracks who replied or what they sell.
~60% less time on manual prospecting
Boarding & Underwriting Assistant
Apps sit for days waiting on a voided check or a missing page of bank statements. Underwriting kicks back files for things a checklist would have caught.
45 min of document chasing removed per app
Support Triage + Knowledge Base Bot
Merchants call about deposits, chargebacks and terminal errors. Your best people answer the same thing all day.
6 min saved on every ticket and call
KPI & Ops Dashboards
Residuals, attrition, boarding time and agent production live in five different systems.
15 min saved per agent paid, every month
85
Why “Code 85”?
Every card transaction comes back with a response code. Code 85 means no reason to decline. That's the bar for everything I build: a proposal the merchant can't say no to, a boarding file underwriting can't kick back, an ops team that stops losing hours to the same five problems.
Who's building this
I'm Billy Anderson. I scaled a meal prep company to $10M a year and sold it. Now I work in payments operations: boarding, underwriting, residuals, agent comp, support. I build AI agents for all of it, every week, in public.
This isn't a course. It's an operator who ships, building tools for other operators.
Who's running this transaction?
60 seconds. No email until you see your numbers.
Run the authorization
How many hours is your shop leaking?
Four taps. You get a response code, the hours and dollars you're losing, and which build fixes the biggest leak first. The first 20 ISOs get founding-member access to the statement agent.
- Who is this for?
- ISOs, agent offices, ISVs adding payments, and payfacs. If you board merchants or pay agents, I've probably lived your problem.
- Do I need to be technical?
- No. You tell me where the hours go. I build the agent on accounts you own, then hand you the keys.
- What happens to merchant data?
- Statements are read, the numbers are extracted, and the file is thrown away. Nothing is used to train models. Custom builds run in your own accounts.
- Why not just hire a generic AI agency?
- Because they'll spend your first month learning what interchange is. I already know what a mid-qual downgrade costs you.