Hidden costs
Fees that grow on their own
Vendor agreements, processing and licensing fees creep up during payment cycles with little notice, year over year. Most contracts do not price protect the business.
Merchant Monitors
AI agent, always onThe margin your vendors quietly keep.
AIME is an AI agent that reads any statement, benchmarks every line against fair market rates, and marks up exactly what you can claw back. No switching vendors, no IT lift.
Run a live audit
Pay only when you save.
The business problem
Profit margins are lost quietly, through fees nobody monitors.
Bank depository fees, small parcel and freight, CRM and software licensing, and merchant processing rank among the top line-item expenses for most businesses. They get accepted and filed away as the cost of doing business, and they grow every renewal cycle.
Vendor lock-in
Built so you cannot leave
Banks tie treasury services to the wider relationship. Software vendors weave together services, middleware and contracts until migrating feels impossible.
In the news
You are not imagining it
From card network class actions to erroneous bank account fees and disputed cloud and licensing charges, overbilling at scale keeps making headlines.
The shift
Your vendors already use AI. Now you can too.
The same companies billing you have spent years putting AI to work. AIME puts it on your side of the table.
Card networks
Payments and risk
Visa and Mastercard now accept and monitor payments with AI, scoring transaction risk in real time across every authorization.
Microsoft and Oracle
Analysis and generation
Enterprise software vendors lean on generative AI for support, large-scale data analysis and automated document generation.
FedEx
Logistics and forecasting
Freight and parcel carriers use AI for delivery prediction, demand forecasting and route optimization across their networks.
A technology company, with humans behind it
Different from the consultancy playbook.
- No long term contracts, no excessive ongoing commissions, and no high up-front retainers. That model is not ours.
- AI keeps our costs low, so the savings stay with you, not with us.
- Polished AI works alongside real people. AIME consultants are experts across multiple financial sectors and industries.
Experience monitoring
$100B+
Navigating the complex world of bank fees and enterprise software licensing with deep industry experience.
Objective: zero disruption
No switching required
AIME works within your existing vendor relationships. No operational downtime, no IT lift, every trusted vendor intact.
Value: full transparency
Line-item clarity
See current costs against historic costs, with continuous monitoring so savings never erode over time.
Powered by AIME
See it work on a real statement.
Upload a CSV or text export of your fees, or load a sample. The audit runs right here in your browser, nothing is sent anywhere.
AIME engine
live audit
Drop a statement or browse
CSV, TXT or PDF export of your fees
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Reading statement...
- Read statement
- Classify every line
- Benchmark against fair rates
- Mark up recoverables
Recoverable margin
$0
annualized, monitored so it stays gone
Effective rate
-
Lines flagged
0 / 0
Line-item audit
red underline = recoverable| Line item | Class | Billed | Benchmark | Recoverable |
|---|---|---|---|---|
| Total |
What AIME found
A defensible line-item report to take to your vendors.
This is sample math. Your statement is the real number.
No retainer, no hourly fees, no risk. We get paid from what we recover.
Simple to get started
Zero disruption, pure profit optimization.
Three steps, no operational lift, and reports in minutes.
1
Seamless data ingestion
Drop in your data: bank statements, CRM invoices, merchant services fees, freight and logistics invoices.
Any format, from 30 days to 36 months of history, or up to 50,000 pages.
2
Live benchmarking and transparency
AIME builds line-item transparency and benchmarks against industry standards, flagging discrepancies, hidden markups and erroneous surcharges.
Reports in minutes, not days or weeks.
3
Actionable reporting
Receive clear, defensible reports your team can take to vendors.
Or have an AIME human consultant secure the amendments from your vendors and hand them back to your team, with zero friction.
Pay only when you save
Our success is tied entirely to yours.
The guarantee
No savings. No cost.
If AIME does not identify savings opportunities, your organization pays absolutely nothing. No retainer, no hourly fees, no risk of any kind.
35-50%
Contingency fee
Compensation is a share of actual realized savings. Nothing more.
12 mo
Engagement term
Continuous monitoring so savings hold and fee creep never returns.
Zero
Staff lift
Minimal internal resources. AIME handles analysis and reporting.
$0
Up front
No retainers and no hourly fees to begin your first audit.
Results
Real savings, relationships intact.
A few examples of what line-item transparency uncovers.
B2B / large payments
$400k / mo
A new Fortune 500 CFO inherited banking and vendor contracts. Pricing had crept up over the years as volume grew, until AIME identified more than $400,000 per month in savings.
Government
$15M / yr
The financial agency of one of the largest municipal governments in the world uses AIME to capture roughly $15 million a year on unused software licensing.
Bank depository
6 figures
For a global direct-to-consumer business, AIME removed several hundred thousand dollars in bank processing fees, and the vendor relationships came out stronger.
AIME identified meaningful savings and introduced them to our bottom line. When our processor later raised costs without notice, AIME caught it, secured a credit, and restored the contracted rate going forward.
Leadership
Led by an operator in merchant technology and AI.
Vito "Vee" Pagano
Co-Founder and CEO
Vito learned from the inside how banks profit from merchants, then switched sides to build businesses that keep the industry honest. His advisory board includes early seed investors in Uber and Twitter.
- 2016Sold the nation's largest merchant services technology auditing company to private equity.
- 2019Completed a second exit through acquisition by Global Payments.
- 2020+Co-founded the Discovery Guide franchise system on a patented AI process, and PIKE, a social platform.
Questions
What businesses ask before starting.
What does AIME cost?
Nothing up front. AIME is paid on a contingency basis as a share of the savings it recovers. If it does not find savings, you pay nothing. No retainers and no hourly fees.
Do I have to switch banks or vendors?
No. AIME works inside your existing vendor relationships. There is no switching, no operational downtime and no IT lift. Your trusted vendors stay in place.
What kinds of fees does AIME audit?
Bank depository and treasury fees, merchant card processing fees, freight and small parcel costs, and enterprise software licensing such as Oracle and Microsoft.
How fast is an audit?
AIME accepts any format, from 30 days to 36 months of history, and generates line-item reports in minutes rather than days or weeks.
How do you keep savings from creeping back?
AIME runs continuously. It re-checks every statement against your contracted rates so vendor fee creep is caught and corrected before it erodes your savings.
Ready to capture your margins?
Start your audit with zero long-term obligations. Pay only when you save.
No commitment
Zero long-term obligations
No up-front cost
Zero retainers, zero hourly fees
Results only
Tied to your realized savings