Payment Operations · AI-Native

Your payments business,
fully staffed.

Not by hiring more people — by making every person on your team ten times more capable. shiftagent is the platform that turns your domain expertise into an AI workforce your customers depend on.

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99 operational skills

12 domains covered

73 ready on day one

fires left unhandled 0

◆ The Imperative

Materialize your AI agents
as a service strategy.

"Every single SaaS company will be becoming an Agentic-as-a-Service company." — Jensen Huang, Nvidia CEO · GTC 2026

shiftagent is the distribution platform for vertical SaaS companies to deliver AI agent capabilities to their customers. Not an AI feature bolted on. Not a chatbot. A complete AI workforce — configured for your domain, white-labeled for your brand, deployed to your customers.

Read the full analysis → Get Early Access →

The Landscape

Every operation.
One platform.

Every skill is an AI agent execution — not a suggestion. Each capability gives your team the depth of a trained specialist.

Browse & price →

Merchant Lifecycle

First contact to offboarding

📥 Application Intake & Parsing Turns any application format into a structured boarding record. 📂 Document Collection & Tracking Chases documents so your team doesn't have to. 🪪 KYC Identity Verification Verifies identity in minutes, not days. 🏢 KYB Business Verification Confirms business legitimacy before you board them. 🚫 OFAC/SDN Sanctions Screening Screens every name against every list, instantly. 🔍 MATCH/TMF List Checking Checks MATCH before you board — every time. 🔀 Multi-Processor Parallel Submit Submits to multiple processors simultaneously with fallback logic. 🏷️ MCC Code Classification Assigns the right MCC so interchange never surprises you. 🚀 Go-Live Checklist Verification Confirms every box is checked before first transaction. 📈 Credit Bureau Pull & Analysis Pulls and interprets credit data so underwriters decide faster. 📉 Processing History Evaluation Turns prior processing history into a forward-looking risk view. 🔬 Enhanced Due Diligence Deep-dives high-risk merchants so your team sees the full picture. 🤝 Third-Party Risk Assessment Monitors vendor and partner risk continuously, not just at onboarding. 🔒 Account Closure Processing Handles offboarding cleanly from reserve release to deprovisioning.

Transaction Operations

Real-time & batch oversight

🔭 Real-Time Auth Monitoring Watches every authorization so your team only handles exceptions. 🧩 Decline Reason Code Analysis Turns decline codes into actionable merchant improvement plans. ⚖️ Batch Settlement Verification Closes every batch clean — exceptions surface, not surprises. 🔄 Daily Settlement Reconciliation Reconciles processor-to-bank every day without manual effort. ⏳ Funding Delay Investigation Detects funding delays the moment they happen — not days later. ✂️ Split Funding Configuration Configures and manages split funding for any marketplace structure. 💳 Interchange Qualification Identifies every interchange downgrade before it becomes a pattern.

Risk & Fraud

Threat detection at machine speed

💨 Velocity Pattern Detection Spots velocity abuse at machine speed, not the next morning. 🛡️ BIN Attack Monitoring Detects BIN attacks before they drain merchant accounts. 🎯 Card Testing Detection Catches card testing schemes before fraudsters find live cards. 🖥️ Device Fingerprint Analysis Links devices to fraud patterns so repeat offenders can't hide. 🎲 Merchant Risk Scoring Scores every merchant's risk continuously, not just at boarding. 🕵️ Transaction Laundering Detection Detects factoring and laundering schemes before networks do. 🕸️ Collusion Pattern Detection Maps collusion rings between merchants and cardholders. 💣 Bust-Out Fraud Prevention Predicts bust-out fraud before the merchant disappears. 📋 Portfolio CB Ratio Tracking Tracks chargeback program status across your entire portfolio. 🔎 Fraud Case Investigation Builds fraud investigation packages so your team prosecutes, not paperworks.

Compliance & Regulatory

Audit-ready at all times

📝 SAQ Completion Assistance Guides merchants through PCI SAQ without the compliance headache. 🔐 Quarterly ASV Scan Tracking Keeps ASV scan schedules on track across your entire portfolio. 🗃️ PCI Evidence Collection Gathers PCI evidence automatically so audits don't slow you down. 👁️ BSA/AML Program Monitoring Runs continuous BSA/AML monitoring so examiners find nothing new. 🏛️ CTR Filing Automation Files CTRs accurately and on time — every time. 🚨 SAR Filing Automation Builds SAR packages that hold up under regulatory scrutiny. ⚠️ UDAAP Risk Assessment Screens products and communications for UDAAP risk proactively. 🔵 Visa VFMP Monitoring Tracks Visa fraud programs and drives merchant remediation. 🔴 Mastercard MEAP Monitoring Manages Mastercard excessive chargeback program compliance end-to-end. 📜 Internal Audit Trail Generates a complete audit trail for every agent action, automatically. 📰 Regulatory Change Assessment Monitors regulatory changes and tells your team what to do next. 🗂️ Examiner Request Fulfillment Responds to examiner requests with organized evidence, fast.

Disputes & Chargebacks

End-to-end dispute lifecycle

📦 Compelling Evidence Assembly Assembles winning evidence packages before the deadline pressure starts. 📤 Representment Submission Submits representments on time with everything the network needs. 🔁 Pre-Arbitration Handling Handles pre-arb responses before cases escalate to full arbitration. 🏆 Win Rate by Reason Code Shows exactly which disputes to fight and which to accept. 💰 Cost-of-Dispute Analysis Shows the true cost of every dispute — including the hidden ones.

Revenue Operations

Revenue leakage prevention

🧮 Interchange Cost Analysis Breaks down interchange costs so you know exactly where money goes. 📐 Effective Rate Calculation Calculates the true effective rate across every fee component. 📊 Profit Margin by Merchant Surfaces profit margin per merchant so you protect the ones that matter. 📈 Portfolio Yield Optimization Maximizes portfolio yield without triggering merchant churn. 🧾 Monthly Fee Billing Generates and delivers monthly fee invoices without the manual work. 🔦 Orphaned Revenue Detection Finds unbilled fees and unclaimed incentives hiding in your portfolio. 🎁 Network Incentive Tracking Tracks every card network incentive program so none go unclaimed. 💼 Portfolio Buyout Valuation Values merchant portfolios for M&A with data, not guesswork.

Partner & Channel

ISO/agent ecosystem orchestration

🏗️ ISO Application Processing Processes ISO and agent applications from intake to approval. 📃 Agreement Generation Generates partner and merchant agreements ready for e-signature. 🔗 BIN/ICA Sponsorship Setup Orchestrates BIN sponsorship and ICA setup across card networks. 📈 Monthly Production Reporting Delivers monthly partner production reports without the spreadsheet work. 🏅 Partner Tier Classification Scores and tiers partners so your best get your best treatment. 📣 Rate/Fee Change Distribution Communicates rate and fee changes to partners with tracked acknowledgment.

Financial Operations

Every dollar accounted for

📊 Daily Revenue Dashboard Refreshes your revenue dashboard every morning before you arrive. 🌊 Cash Flow Forecasting Forecasts cash flow so treasury decisions are made with data.

Customer Operations

Merchant support at scale

💬 Statement Inquiry Resolution Resolves merchant statement questions instantly, without escalation. 🔎 Transaction Lookup Finds any transaction instantly so support calls take seconds. 📉 Attrition Risk Prediction Predicts which merchants are about to leave — weeks before they do. 📋 QBR Preparation Builds QBR packages so your team walks in prepared, not scrambling. ✉️ Template Email Generation Drafts every merchant communication — accurate, on-brand, instantly.

Technical Operations

Platform reliability & health

🟢 Gateway Uptime Monitoring Monitors gateway health 24/7 so incidents surface before merchants notice. ⚡ API Response Time Tracking Tracks API performance so degradation is caught before it's a problem. 🔁 Failover Testing Validates failover paths across processors and infrastructure on schedule. 📡 Processor API Version Tracking Tracks processor API changes before they break your integrations. 🔑 Credential Rotation Scheduling Rotates API credentials on schedule with zero downtime. 💾 Database Backup Verification Verifies backup integrity automatically so you know it works before you need it. 🛡️ PII Data Masking Audit Audits PII masking across every data store and log. 🔄 Disaster Recovery Testing Tests your disaster recovery plan so it actually works when it matters. 🚨 Incident Detection & Triage Classifies and routes every incident the moment it's detected.

Sales & Enablement

Pipeline acceleration

📝 Proposal Generation Generates merchant proposals with competitive pricing in minutes. ⚖️ Pricing Comparison Analysis Compares your pricing against the competition using real statement data. 💡 Savings Calculation Modeling Quantifies exactly how much a merchant saves by switching. 🎯 Lead Qualification Scoring Scores every inbound lead by conversion probability from real data. 🗺️ Lead Distribution & Routing Routes every lead to the right rep based on fit, territory, and capacity. 📊 Conversion Rate by Channel Tracks conversion rates by channel so you invest in what works. 💰 Commission Calculation Calculates sales commissions accurately so disputes don't start. 🃏 Battle Card Generation Generates up-to-date competitive battle cards from live market intelligence. 📖 Objection Handling Playbooks Builds dynamic objection guides from your actual win and loss data. 🔭 Competitor Intelligence Monitors competitors continuously so your team is never caught off guard.

Intelligence & Analytics

Pattern recognition at scale

📈 Processing Volume Trending Trends portfolio volume so you see what's growing and what's not. 🗂️ MCC Segment Performance Breaks down portfolio performance by MCC so you know your winners. 📊 SLA Performance Dashboard Tracks SLA performance across all operations in real time. 🎯 Playbook Success Rates Measures how well your playbooks actually work — and improves them. 🏗️ Capacity Planning Forecasts staffing needs from volume trends so you're never caught short. 📉 Merchant Attrition Prediction Forecasts merchant attrition 30, 60, and 90 days out. 🔮 Revenue Projection Modeling Projects revenue with confidence intervals so planning isn't guesswork. 🌐 Market Opportunity Scoring Scores market opportunities so you expand where data says to. 🗓️ Scheduled Report Generation Delivers every report to every stakeholder, on schedule, automatically. 🎛️ Executive Dashboard Refresh Refreshes executive KPIs automatically so leadership is always current. 📊 Industry Benchmarking Benchmarks your portfolio against industry peers on the metrics that matter.

99 skills across 12 domains

· Every skill runs at the depth of a trained specialist · See pricing →

The Shift

Your team doesn't shrink.
It scales.

Every person on your team gets an AI exoskeleton.
The same headcount. A hundred times the output.

Read the full story →

Before

Your team, without AI.

Every payments company already has the playbooks — merchant onboarding flows, chargeback procedures, risk matrices. Years of institutional knowledge. Brilliant people running it.

But the work scales with headcount. More merchants means more ops staff. Training takes months. Knowledge walks out the door. The same person does the same task a thousand times.

Onboarding a new ops hire takes 3–6 months

Scale = more headcount, not more leverage

Institutional knowledge leaves when people leave

Your best people stuck in repetitive execution

After

Your team, with an exoskeleton.

shiftagent doesn't replace your people — it amplifies them. Every person on your ops team gets a dedicated AI workforce executing the repetitive, the complex, and the never-ending on their behalf.

Same headcount. Same expertise. Every employee running at machine speed — with a daily token budget that grows their leverage with every task.

Agent workload · today 0%

Merchant onboarded

Risk assessment complete

Filing chargeback response…

Compliance check queued

Day-one productivity — no ramp time needed

Your team scales without growing headcount

Institutional knowledge that never walks out

Every employee amplified by their own AI agent

Why shiftagent

Give your team superpowers.

Your Team, Amplified

Every employee gets an AI exoskeleton. Same headcount — ten times the output. Your best people freed to do what only humans can.

Zero-Trust by Architecture

The LLM never sees real credentials. Every agent action is vaulted, audited, and scoped. Enterprise-grade from day one.

Embeddable Anywhere

One line of HTML. Fully white-labeled. Resellable to your downstream customers — the distribution layer that materializes your AI agents as a service strategy.

Enterprise-Ready from Day One

SSO. Full enterprise audit trails. Compliance-grade architecture. Built for the buyer who asks about SOC 2 before features.

Virtual Staff, Not Chatbots

Persistent context. Self-improving. These agents accumulate your institutional knowledge so it never walks out the door.

◆ For Vertical SaaS Companies

Bring your
vertical.

Every vertical SaaS company needs an AI agent strategy. shiftagent is the distribution platform that lets you configure it for your domain, white-label it for your brand, and deploy an AI workforce to your customers — without building agent infrastructure from scratch.

Become a Partner → Learn more →

Your vertical. Your brand. Your customers' AI workforce. One configuration.

Built to run any vertical

🏠 Home Services

🍽️ Restaurants

🏥 Healthcare

⚖️ Legal

🛎️ Hospitality

🛒 Groceries

→ Your Vertical

Nvidia's Jensen Huang says every SaaS company must become an Agentic-as-a-Service company. shiftagent is how you get there — vertical-agnostic by architecture, any vertical is a configuration, not a code change.

◆ For CTOs & VP Engineering

How it's actually
built.

Powered by Claude Agent SDK — the same engine that powers Claude CoWork. The runtime does the reasoning. We built the enterprise layer — multi-tenant isolation, zero-trust security, audit trails, and the infrastructure that lets you deliver AI agents as a service at scale.

See how it works →

Four pillars

Per-session containers, forward proxy credential vaulting, deterministic financial pipelines, Shadow DOM white-label embed. Full technical deep-dive →

◆ Integrations