3.9% + $0.50 per transaction, includes complete Merchant of Record service, global tax and compliance, billing and subscriptions, and agent-ready checkout
Key features
Personalized financial insights and recommendations based on customer transaction data
Transaction Intelligence that creates unified financial context across banking channels
Banking Console for relationship managers to identify and prioritize customer engagement
AI governance and full-lifecycle model management
Spending pattern analysis and cash flow intelligence
Enterprise-grade secure infrastructure for banking environments
Integration with core banking systems and Open Banking data
Engage Suite for personalized customer experiences across digital channels
Enterprise Studio for designing and activating customer journeys
Payment links and hosted checkout with no integration required
Recurring subscriptions with weekly, monthly, or annual billing
Automated tax calculation and filing for sales tax, VAT, and GST
Merchant of Record compliance on every transaction
Direct bank payouts with no reconciliation required
AI agent checkout on same payment link
Compliant invoice and receipt generation
Per-transaction pricing with no monthly or setup fees
What makes it different
Reaches over 150 million monthly banking users, enabling massive scale for financial institutions
Transforms transaction data into actionable financial intelligence using AI and machine learning
Enables banks to drive measurable business outcomes including deposit growth and customer engagement
Serves hundreds of financial institutions globally from major banks to community credit unions
Proven track record with leading global banks including BMO, Santander, Huntington, and KBC
Only platform enabling AI agents and humans to purchase through the same payment link
Complete Merchant of Record service handling all tax compliance and payouts
Zero-integration payment link that works in websites, READMEs, and direct messages
Transparent per-transaction pricing with no hidden monthly fees
Personetics
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