No dashboards. No analysts. No lag.

Your payment ops
run themselves

PayNova is an AI agent that monitors every payment channel, blocks fraud in real time, optimizes routing, and cuts costs. Autonomously. Around the clock.

$1T+
Global fraud losses last year
79%
Of companies hit by payment fraud
0
Humans needed with PayNova
The problem

Payment ops are still stuck in 2020

  • ✗
    Fragmented tools that don't talk to each other. Fraud in one system, routing in another, analytics in a spreadsheet.
  • ✗
    Human analysts reviewing alerts 9-to-5 while fraud runs 24/7.
  • ✗
    Static rules that fraudsters outpace within weeks.
  • ✗
    Hidden fees, suboptimal routing, and revenue leaking through the cracks.
PayNova

One agent. Every channel. Always on.

  • ✓
    Unified view across Stripe, Adyen, Braintree, and every payment rail you use.
  • ✓
    Autonomous fraud detection that adapts in real time. No rules to maintain.
  • ✓
    Smart routing that finds the cheapest path for every transaction, automatically.
  • ✓
    Revenue recovery that catches declines, retries intelligently, and reports outcomes.

What PayNova does while you sleep

Fraud Interception

ML models trained on billions of transactions detect anomalies before they become chargebacks. Blocks bad actors, approves good customers. No false decline anxiety.

Intelligent Routing

Every transaction takes the optimal path. PayNova evaluates processor fees, approval rates, and latency in real time to route payments where they'll succeed cheaply.

Cost Autopilot

Hidden interchange markups, unnecessary gateway fees, and wasteful retry patterns. PayNova finds them, flags them, and fixes them without asking.

Daily Briefings

Every morning, a report lands in your inbox: what happened overnight, what was blocked, how much was saved, and what to watch. Like a payments team that actually communicates.

See it working

A quiet Monday night. PayNova is on it.

[02:14:03] PayNova Scanning 847 transactions from last hour...
[02:14:04] PayNova Blocked: $4,200 card-testing attack from 91.*.*.* (14 attempts)
[02:14:04] PayNova Pattern added to watchlist. Similar IPs flagged.
[02:31:17] PayNova Rerouted 23 EUR transactions: Adyen (2.1%) → Stripe (1.4%)
[02:31:17] PayNova Saved $312 in processing fees this cycle
[03:02:45] PayNova Retried 7 soft-declined transactions. 5 recovered ($2,847).
[03:02:46] PayNova Night shift summary: $4,200 fraud blocked. $3,159 saved/recovered.

Payments should run
like they were built in 2026

Not monitored by humans. Not managed by rules. Run by an AI agent that gets smarter every transaction.