Merchant Services Platform
Your bank's merchant services. Your brand.
A white-label platform that lets banks and credit unions onboard, service, and grow merchant services across processors, powered by AI.
Merchant Services Platform
A white-label platform that lets banks and credit unions onboard, service, and grow merchant services across processors, powered by AI.
The Platform
pAIwares changes that. One platform gives your bank everything it needs to own the merchant relationship end-to-end (onboarding, servicing, analytics, and AI) without a multi-year build.
We abstract away processor complexity so your team can focus on growing merchants and capturing deposits.
Capabilities
Run your business. Get paid. Bank in one place.
Single integration layer across multiple processors. Add new processors without rebuilding your stack.
Branded end-to-end merchant onboarding, from application to approval, under your bank's identity.
Manage your entire merchant portfolio: support, account changes, repricing, and relationship management.
Real-time AI-powered monitoring, anomaly detection, and business intelligence across your portfolio.
Analytics connecting merchant activity to deposit growth and primary relationship deepening.
20-25%
Penetration
$500-800
Annual non-interest income per merchant
10-15%
Higher deposit balances
8-10x
Higher total lifetime customer value