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We’re Paymend

We help online merchants recover lost revenue by turning failed payments into completed transactions.
WHAT WE DO?
Over $300 billion in legitimate transactions get declined every year in the US alone. Not fraud: real customers turned away because payment systems can't distinguish good purchases from bad ones.
The problem?
Credit cards were built for 1980s physical terminals, not modern e-commerce.
The Solution
Paymend works alongside any existing payment stack as an AI-powered recovery layer. We analyze why transactions fail and orchestrate intelligent recovery strategies until funds settle. The result: more approvals, less friction, more revenue.
OUR STORY

How Paymend was born?

First connection
Jack and Daniel meet in high school
Different paths, same curiosity for technology and business.
2012
Reconnecting through e-commerce
Years later, they reconnect while building and scaling online businesses.
2018
Rebills is founded
They co-found Rebills, an orchestration platform built to handle high-volume card transactions for fast-growing merchants.
2022
Rebills exit (€9M)
Hundreds of millions of transactions processed. Just as many legitimate payments fail.
With Rebills acquired for €9M, Jack and Daniel set out to solve the problem they lived firsthand.
2022-2024
Paymend is born
Paymend is created with a single focus: intelligently recovering failed payments and protecting merchant revenue.
Today
OUR TEAM

We’re a global team, built to support merchants everywhere

We’re 30+ people working remotely across Brazil, UAE, United States, Germany, Mexico, Ireland and beyond. We’re committed to building a diverse, inclusive team united by one goal: revolutionizing how merchants handle failed payments. We’re always looking for new people to join our adventure!

Jack Cregan
CEO & Founder
Daniel Harding
Co-Founder & COO
OUR VALUES

The values that drive
everything we do

Each of our values is aligned with what will guide us to achieve our mission:
Transforming the way global merchants solve their payment challenges.
Built for merchants
We’ve been in their shoes.
We build solutions for real problems, not theoretical ones.
Willfully innovative
Payments are complex, but complexity is not an excuse. We find a way forward, always.
Relentlessly reliable
Speed matters, but only when paired with accountability. We move fast without breaking things.
Entirely transparent
We say what we’ll do, then we do it. No fluff, no excuses,
no surprises.
Solutions driven
Payments are complex, but complexity is not an excuse. We find a way forward, always.

Ready to recover revenue?

Tell us what you need — we’ll show how Paymend secures your transactions and powers faster, smarter payments.

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Boost approval rates
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Recover lost sales
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No impact on customer journey