pagos

pagos is an analytics platform for optimizing and orchestrating payment data: BIN data, decline codes, interchange cost and tokenization. The company was founded in 2021 by former Braintree and PayPal executives and is based in Boston.

Products Listed products are Peacock Analytics, BIN Intelligence (Parrot), Routing Optimization, Network Token Analytics and Cost Tracking. The aim is to give payments teams a detailed view of why transactions fail, what each costs and where routing or network tokens could improve results. The service is delivered as an API together with an analytics dashboard.

Clients Target verticals are enterprise e-commerce, streaming, marketplaces and SaaS. The stated geography is the United States, Canada and Europe, with global scope.

Commercial model pagos is sold as a SaaS subscription. Plan prices and data limits are not published. Because the product is analytical rather than a payment processor, it usually sits alongside existing PSPs and acquirers, and a merchant should ask which data sources feed the BIN database and how quickly it is refreshed.