WORK / W-02
PaymentPop AI
AI statement analyzer · Web application
Upload a merchant statement. Get a line-by-line fee audit.
The product, from its own pages.
PaymentPop AI is the Statement Analyzer behind PaymentPop: a web application where a business uploads a merchant account statement as a PDF or CSV and receives an automated audit of its card-processing costs.
The free assessment reports the all-in effective rate and whether the statement contains costs worth challenging. The full report, a one-time purchase per statement, reads every fee line, detects the pricing model (interchange-plus, tiered, flat rate, ERR/billback, membership, surcharge, cash discount or a mix), checks network charges against a maintained reference set of Visa, Mastercard, American Express, Discover and PIN-debit rates, and separates recurring processor fees, likely hidden padding and downgrade surcharges. Every report carries a confidence level and a list of assumptions.
Under the hood it is a single-page React application with a same-origin API, user accounts with email or Google sign-in, saved reports and statement history, and Stripe checkout for the full report. Uploaded statements are processed with third-party AI services under use restrictions and may be reviewed by a person for accuracy.
| Operator | CardPaymentOptions.com, Inc. (DBA PaymentPop) |
|---|---|
| Platform | Web application |
| Model | Free assessment; paid full report per statement |
| Coverage | U.S. statements (Canada pending) |
A product of CardPaymentOptions.com, Inc. (DBA PaymentPop), the company founded by Phillip Parker.
What it does.
- Accepts PDF statements and CSV exports
- Free assessment: effective rate and whether there are costs worth challenging
- Automatic detection of the pricing model
- Network charges compared against a maintained U.S. rate reference set
- Fees categorised: network, recurring processor, hidden padding, downgrades
- Location breakdown for multi-location statements
- Confidence level and assumptions on every report
- Saved reports and statement history per account
Public stack signals.
- React single-page application with client-side routing
- Same-origin JSON API for accounts, statements and reports
- Email/password and Google sign-in; email confirmation before results
- Stripe.js checkout for the full report
- AI-assisted statement extraction with human review consent
- PostHog product analytics through a first-party proxy; served through Cloudflare