Agentic analytics for payment gateways and PSPs

Find the payment gateway revenue leaks before they cost you.

Bicycle watches authorization rate, fraud rate, settlement, chargeback rate, and processing KPIs across the gateway and PSP segments that matter. When a number moves, it explains the likely cause and recommends the next action to the team that can fix it.

No credit card required

payments / interchange agentAgent live
Detect
Effective interchange rate
Merchant 4471 · commercial cards · last 24h
+34bpsvs 7-day baseline
Explain · likely causes, ranked
  • 1Transactions downgrading on missing tax amounthigh
  • 2Card-hierarchy level transition on this MCCcontributing
  • 3AVS data failing to pass on the gateway feedcontributing
business causetechnical cause
Act · recommended next step
Email payments ops the top transactions by potential savings with the qualification gap, and route the fix to dev, processor, or merchant. Scoped, previewed, logged.
Evidence: settlement data · auth results · interchange feeds · card hierarchy · AVS · processor logs

A dashboard shows the drop. Bicycle finishes the investigation and recommends the fix.

Where gateway revenue breaks

Start with a single revenue KPI critical to your business.

Bicycle comes with payment gateway industry intelligence already inside. Pick one Bicycle-recommended KPI and watch it run: the KPI it watches, the causes it checks, the action it recommends to the owner, and what it keeps.

Pick a revenue problem
Interchange Agent Drop
Effective interchange rateMerchant 4471 · commercial cards, last 24h +34bpsvs 7-day baseline
Transactions downgrading on missing tax data

A gateway problem not listed here? Book a demo and we will map it.

The cost of finding out late

A dashboard shows the drop. It never finishes the investigation.

Before Bicycle

Search conversion drops. The manual chase begins.

The dashboard shows the decline. The team still checks inventory, catalog, pricing, search relevance, and regional patterns by hand, across five tools and four people.

  1. Category team checks top SKUs
  2. Replenishment checks availability
  3. Product checks search and indexing
  4. Analytics pulls city and store cuts
  5. Ops argues over who owns the fix
Hours to days. Revenue keeps leaking.
With Bicycle

Bicycle starts the investigation the moment the KPI moves.

It detects the drop, ranks the affected keywords and cities, tests business and technical causes in parallel, attaches the evidence, and routes the issue to the owner with the next step.

  1. Detect the movement, ranked by impact
  2. Test business and technical causes together
  3. Attach the evidence, rule out the rest
  4. Route the safe action to the owner
  5. Learn the accepted cause for next time
Minutes. The owner gets the cause and the move.
Capabilities · purpose-built for payments

Trained on the KPIs, patterns, and root causes of payments.

Six capabilities, set up once and run continuously. Business teams move faster, analysts keep governance, everyone trusts the number. Pick one to go deeper.

Capabilities work together in one continuous loop. Detect → Explain → Act → Learn.

Who runs this in payments

Business teams need answers fast. Analysts ensure conclusions are trustworthy.

Same governed intelligence underneath. The payments agent for the teams who own the number, the controls for the team who owns the data.

Business teams · act on it

See what changed, why, and what is safe to do.

The move finds you, ranked by revenue impact, with the cause and the next step attached. No dashboard hunt, no three-day ticket.

Payments ops
Risk and underwriting ops
Merchant success
Sub-verticalsPSP / gatewayAcquirerIssuerMarketplace / orchestration
Data & Analytics · keep it trusted

Govern the definitions, evidence, and safe actions.

Analysts review first-pass causes instead of rebuilding them. Leaders give the business self-service inside one governed boundary.

Data & Analytics leaders · govern at scale
Analysts & BI · review, tune, publish
Analytics engineers · tune the model
Jump to your roleBusiness teamsData & Analytics teams
What Bicycle becomes for your payments operation

The agentic analytics layer on top of your stack.

Your stack stays the system of record. Bicycle turns payments signals into alerts, triage, stories, dashboards, chat, and governed actions on top of it. No rip-and-replace.

Bicycle the agentic layer
Surfaceswhat business teams touch
AlertsTriageStoriesDashboardsChatActions
Governancethe self-serve safety rail
access · approved definitions · evidence · audit · rollback
AgentsAI · your business analyst

Frames the question, orchestrates the investigation, writes the story, recommends the next step. It reasons.

Interchange optimisationApproval trackingPayment success rateSettlement anomalyInvoice processing
IntelligenceAutoML · your data analyst

Detects movement, ranks drivers, computes confidence, forecasts. The numbers are calculated, not generated.

Pattern EngineCause EngineDriver TreesForecastingImpact Ranking
Business modelthe semantic layer
MerchantIssuerBINCard typeInterchange codeGatewayTransactionSettlementModel version
Connectorsthe bridge, in and out
Signal Cause Action Knowledge
reads ↑ · acts ↓ · Bicycle sits on top
Your stack · system of record
Settlement dataProcessor / PSP feedsApproval decision logsAuth resultsModel deployment repoSnowflakeRunbooks / ticketsSlack+ more

And the rest of what you run: settlement data · processor feeds · auth results · fraud signals · observability · Slack

Bicycle runs on top of your existing systems. The payments pack supplies the starting KPIs, causes, stories, and action paths.

Vibe Analytics · self-serve start

Start with one KPI in your payments stack.

Bring one revenue-critical KPI, connect a trusted source, and watch Bicycle turn a prompt plus your data into a payments analytics agent. Zero to a working agent in about 15 minutes.

Prompt + data
"Watch effective interchange rate by merchant and card type, and tell me why it moves across tax-data and AVS dimensions."
Snowflake · connected
Analytics agent
Builds the model, detects movement, tests business and technical causes.
Outputs
AnswerStoryAlert
Start with interchangeStart with approval rateStart with payment success

Grow into the full product when your team is ready.

Test ride Bicycle on a payments KPI.

Bring one KPI that matters. We will show how Bicycle detects the move, explains the cause, and recommends the next step on top of the stack you already run.

No credit card required

No credit card required Start for free