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We’re Paymend

We help online merchants recover lost revenue by turning failed payments into completed transactions.
Paymend Team
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.
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The problem?
Credit cards were built for 1980s physical terminals, not modern e-commerce.
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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.
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2012
Reconnecting through e-commerce
Years later, they reconnect while building and scaling online businesses.
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2018
Rebills is founded
They co-found Rebills, an orchestration platform built to handle high-volume card transactions for fast-growing merchants.
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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.
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2022-2024
Paymend is born
Paymend is created with a single focus: intelligently recovering failed payments and protecting merchant revenue.
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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 of Paymend
Jack Cregan
CEO & Founder
Daniel Harding
Co-Founder & COO of Paymend
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.
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Built for merchants
We’ve been in their shoes.
We build solutions for real problems, not theoretical ones.
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Willfully innovative
Payments are complex, but complexity is not an excuse. We find a way forward, always.
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Relentlessly reliable
Speed matters, but only when paired with accountability. We move fast without breaking things.
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Entirely transparent
We say what we’ll do, then we do it. No fluff, no excuses,
no surprises.
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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