Give your business and retail customers a way to bank with AI.
Paywhere safely connects Claude, ChatGPT, Copilot and the other AI tools your customers are using directly to your existing systems.
No core replacement or engineering team necessary. Live in weeks.
Paywhere enables your customers to bank securely and compliantly through the AI tools they already use, without you replacing your core or building anything new. Your customers are already managing money through AI. Paywhere makes sure that happens through your institution, instead of one of your competitors.
Paywhere helps you grow your deposits and revenues and protect your customer relationships from competing banks, fintechs and fraud.
Grow
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Today, your institution offers the same digital banking experience most other banks and credit unions do. But AI banking helps your customers run their businesses more efficiently and effectively. That's the kind of value that makes them choose your organization over one that still hasn't adapted to the age of AI.
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Small and medium sized businesses are poorly served by many financial institutions. They're stuck between consumer accounts that offer too little functionality and enterprise portals built for businesses with dedicated finance teams and ERP systems they don't have. Paywhere enables your bank or credit union to offer them something built for a business their size and the work they actually need to do.
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Your bank can capture new deposits specifically because it offers AI banking, deposits that would otherwise drift to a competing institution or fintech. As more AI tools connect through your organization to serve these customers, you can charge for that access, a second revenue stream that grows as adoption does.
Protect
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When your customers build financial workflows, agents, or automations around Paywhere, switching institutions means rebuilding all of that from scratch. When you build on top it makes your institution sticky.
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AI adoption has raised your institution’s fraud exposure. Legacy fraud systems can't tell a legitimate AI-initiated transaction from a bad actor mimicking one. Paywhere closes that gap, giving you a defensible, auditable answer for how every AI-driven action is authorized and controlled.
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Every AI-prepared transaction requires a person to review and approve it before it executes, right inside your existing digital banking portal, behind your own login. Your financial institution controls the entitlements for every type of interaction: a customer acting on their own, a customer acting through AI, or an unattended agent acting alone.
Key features
Customer System Connectivity.
Paywhere connects the tools your customers already use, AI assistants, ERP, accounting, payroll, treasury, custom agents, directly to your bank's existing systems. Your bank becomes discoverable inside Claude, ChatGPT, Copilot and other major AI ecosystems, listed by name alongside services like QuickBooks, Stripe, and PayPal.
Tiered Permissions.
Your customers connect with your institution in three ways: through an AI assistant, through applications they build, or through autonomous agents running in the background, and Paywhere tracks each one separately. Set higher limits for payments a person is actively approving, and lower limits for anything an unattended agent initiates on its own.
Intent Recognition.
Paywhere identifies why a customer is taking an action. These reasons can include payroll, cash flow management, accounts payable, treasury transfers, reconciliation, and fraud related review. It also reads whether that customer's experience is a positive one, giving you insight into how to price and package what you offer.
Fraud Detection Built for AI. Legacy fraud systems can't tell a legitimate AI-driven transaction from a bad actor mimicking one. Paywhere reads the signals that tell the two apart and flags anything that crosses a risk threshold directly to your bank.
Partner with Paywhere to bring AI-enabled banking to your organization.
We're working with a limited number of banks and credit unions to bring AI banking to market. We can help your institution thrive in the age of AI.
Explore capabilities your clients will soon demand.
Paywhere makes it possible for banks and credit unions to offer all of these.
See Paywhere in action.
Schedule a demo to see how your bank can offer secure, compliant AI banking that's live in just weeks.