About Us
Built by people who’ve been in your shoes.
pAIwares was founded by banking, technology, and payments veterans who saw firsthand how fragmented the merchant services landscape had become — and knew there was a better way.
Our Story
pAIwares exists because banks keep losing merchant services revenue to third parties — and the tools to fix that didn’t exist. We built them.
Our founders spent careers inside banks, processors, and fintechs. They ran merchant portfolios, negotiated processor contracts, and built the software that powers payment acceptance. When they saw the same problems repeated at every institution — fragmented processors, manual onboarding, zero deposit visibility — they started pAIwares.
Today we work two ways: hands-on consulting for banks and enterprises that need strategy and execution, and a white-label platform that lets banks own merchant services end-to-end. Both are powered by AI we built specifically for payments.
Why pAIwares
What sets us apart
Operators, not observers
We’ve run merchant portfolios, built processing platforms, and managed bank P&Ls. We advise from experience, not research decks.
Strategy through execution
We don’t hand off a roadmap and walk away. The same team that designs the strategy builds the software and stays through launch.
Both sides of the table
We’ve sat on the bank side and the vendor side of every processor negotiation. That’s how we consistently get better terms and faster timelines.
Our Team
The people behind pAIwares
Chris May
President, CEO
Craig Sobol
Chief Revenue Officer
Francisco Giotto
Chief Technology Officer
Jackson Frerichs
Lead Business Solutions
Jeffrey Gill
Chief Strategy Officer
120+
years of collective experience