AI

DeposytAI

Payments for AI companies, approved.

AI moves fast and banks do not. New products, credit-based pricing, free trials, and growth curves that look like fraud to a risk model. We underwrite where the business is heading instead of freezing you when it gets there.

The hard part is already handled.

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350+ Five Star Reviews on Google
✓Usage and credits
✓Free trials allowed
✓Built to scale fast
✓Next-day funding
Why AI companies get flagged

Why AI companies get flagged.

Every signal that says healthy startup to you says risk to an underwriter.

Growth

Curves look wrong

Ten-times growth in a quarter reads as fraud to a risk model.

Pricing

Credits and usage

Variable charges are harder to underwrite than a flat plan.

Trials

Free to paid

Trial conversion is the most disputed pattern in payments.

Newness

No history

A company nine months old has nothing to underwrite against.

Global

International users

Cross-border cards decline more and cost more.

Abuse

Card testing

Free tiers and sign-up flows attract testing at volume.

Who we work with

The AI businesses we work with.

However you charge for the model, we support it.

SaaS

AI SaaS

Seats and plans billed monthly or annually.

Credits

Credit and token billing

Prepaid balances drawn down by usage.

Usage

Usage-based pricing

Metered billing on real consumption.

API

API platforms

Developer products billed per call.

Agents

Agent products

Automation billed per task or per seat.

Content

Generative tools

Image, video, and writing products with tiers.

Voice

Voice and support AI

Per-minute and per-conversation pricing.

Vertical

Vertical AI

Industry-specific tools sold to businesses.

Consumer

Consumer AI apps

Subscriptions with a free tier underneath.

Do not see your model here? If you charge for AI, we will underwrite it. Call us.

What to watch for

What AI companies watch for.

These are the failures that show up right when the growth arrives.

Caps

Volume limits

You hit the cap in the month the product finally works.

Reserves

Held funds

Held revenue is fatal when you are burning on compute.

Card testing

Fraud on free tiers

Sign-up flows get hammered unless they are filtered.

Involuntary churn

Failed renewals

Declined cards cancel users who wanted to stay.

Declines

International cards

Global users decline more without proper routing.

Shutdowns

Sudden termination

Generic processors offboard fast-growing accounts first.

How we help

How we keep your billing ahead of your growth.

Limits set for where you are going, and the tools to bill however you price.

Underwriting

Approved for scale

Limits set around your trajectory, not last month.

Billing

Usage and credits

Metered billing, prepaid balances, and hybrid plans.

Recovery

Beat involuntary churn

Retries and an account updater on failed renewals.

Fraud

Protect the free tier

Filtering that stops card testing without blocking real users.

Routing

Global approvals

Routing that lifts acceptance on international cards.

Real support

People who answer

Engineers and humans, reachable during a launch.

Getting started

What you need to get started.

Early-stage is fine. We would rather underwrite you now than freeze you later.

The basics

Business and ID

Formation documents, EIN, and owner identification.

Pricing

How you charge

Seats, credits, usage, or a mix, so we model it correctly.

Trajectory

Where it is going

Your growth expectation, so limits are not set too low.

Stack

Your build

Hosted checkout or the API, and what it plugs into.

Sandbox access first, so you can build before you switch.

What you get

Everything an AI company needs to bill properly.

Approval is one piece. These are the tools that hold up when the curve steepens.

Gateway

Gateway Features

Tokenisation, routing, fraud filtering, and a developer API.

Recurring

Recurring Billing

Subscriptions and card-on-file with retries on renewals.

Dunning

Revenue Recovery

Automatic retries and an account updater on failed charges.

Load balancing

Load Balancing

Split volume across accounts so one freeze does not stop signups.

SaaS

SaaS Payments

Seats, usage, and renewals for software businesses.

Funding

Next-Day Funding

Your sales today, in your account as soon as the next business day.

Zero-fee option

Offset your fees on every charge.

Dual pricing shows a card price and a cash price, calculated by our software, so processing cost stops competing with your compute bill.

See Dual Pricing
Questions, answered

Questions, answered simply.

The things business owners actually ask. If yours is not here, a real person is a phone call away.

Do you work with early-stage AI companies?

Yes. We would rather underwrite you before the growth than freeze the account during it.

Can you bill credits and usage?

Yes. Prepaid credit balances, metered usage, seats, and hybrid pricing all work.

Can I offer a free trial?

Yes. Trial-to-paid billing is allowed, and we help you structure it so it does not generate disputes.

What happens when we grow fast?

Limits are set around your trajectory, and load balancing spreads volume across accounts.

How do you handle card testing?

Velocity and fraud filtering on the sign-up and top-up flows, tuned with you.

Is there an API?

Yes. A REST API with webhooks and a sandbox, alongside hosted checkout.

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Book your FREE consultation.
Put cash back in your pocket.

During your one-on-one business assessment, a Deposyt™ expert will evaluate your business and set you up to instantly put a percentage back in your pocket with each card transaction you accept.

The hard part is already handled.

350+ Five Star Reviews on Google

Or text us at 302-204-2493 · Monday, Sunday, 8am, 5pm PST