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For startups

The rate you sign at is not the rate you keep

Early on, a flat 2.9% plus 30 cents is the right trade — you are buying speed. The mistake is never revisiting it. Pyncht tells you the month that trade stops being worth it.

Analyse my payments Contact sales

What this actually fixes

Flat-rate pricing outgrows you
Analysis shows the volume at which interchange-plus beats your flat rate, with the crossover date.
No one is watching the fee line
A monthly effective rate with movement explained, so it never drifts unnoticed.
Incorporation and banking are a maze
Atlas handles formation, founder equity, and a bank account as one flow.
Engineering time is the scarcest thing
Read-only analysis needs no integration work — you connect a processor and get numbers.

Works with

See what your payments actually cost

Connect a processor read-only and get a full cost breakdown. Nothing moves until you decide it should.

Analyse my payments Contact sales