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Paygentic

Category: AI in Fintech

An all-in-one billing and payments platform specifically designed for AI-native and agent-driven products Paygentic was founded in 2025. The company is led by Susan O'Neill. Based in San Francisco, United States. Team size: 2-10. Total funding raised: $2M. Latest round: Pre-seed. Key investors include MiddleGame Ventures, Anamcara Capital, Aperture, Angel Invest.

Founded
2025
Headquarters
San Francisco, United States
Team size
2-10
Total funding
$2M

Value proposition

Provides flexible infrastructure to handle complex, multi-dimensional usage-based pricing models that traditional billing systems struggle to support for AI companies

Products and solutions

Billing and Payments Platform, AI Pricing Agent, Usage-based Billing, Outcome-based Billing, Subscription and Hybrid Models

Unique value

First solution designed specifically for AI-native, agent-driven products that need real monetization flexibility. Converts AI agent actions into billable events with granular tracking.

Target customer

AI-native startups and companies with usage-based pricing models

Industries served

Artificial Intelligence, Fintech, Agentic Software

Technology advantage

Purpose-built for the agentic economy with support for microtransactions, complex pricing, and evolving logic. No fixed fees and low-cost infrastructure.

How they differentiate

Specialized focus on AI-native companies with support for complex usage-based, outcome-based, and hybrid pricing models that traditional billing systems cannot handle effectively

Main competitors

Stripe Billing, Chargebee, Paid

Key partnerships

MiddleGame Ventures, Anamcara Capital, Aperture, Angel Invest

Notable customers

Early adopters (specific names not disclosed)

Major milestones

Successfully raised $2M in pre-seed funding round, Launched AI-native billing and payments platform, Emerging from stealth mode in October 2025

Growth metrics

Early-stage company, specific growth metrics not publicly available

Market positioning

Early-stage leader in the emerging market of billing infrastructure for AI startups, positioning as the financial rails of the agentic economy

Geographic focus

North American market with Irish co-founding team

Patents and IP

No patents publicly disclosed

About Susan O'Neill

Previously founded Sulu, a Kilkenny-based payment infrastructure provider for AI products. Background in finance and member of the Fintech Ireland Advisory Council.

Official website: