PayAttention

Ad-powered acquiring

Pay with attention, not money.

9:41

🅿️

Downtown Garage

✓

You’re all set!

$0$10

2h parking · covered by Revolut

Powered by PayAttention

scroll↓

Problem

Small businesses keep ~$1–2 of every $10 they sell

Rent, staff, supplies and card fees eat the rest.

Current focus — parking operators: $2 extra = 2× profit.

🅿️

Downtown GaragePay & exit

2 hours parking

Tap to pay for your parking session.

✓ 2 hours · Bay 42

✓ Contactless exit

$10 total

Pay $10

Apple Pay · card · cash

🪙

≈ $2 kept

Rent, staff & card fees eat the rest — thin margin on every car.

Solution

Reverse acquiring: merchants earn, customers pay less

Customers complete brand-sponsored actions —
sponsors pay their bills, businesses earn a revenue share.

Live product · running today

1

At checkout, pay $0 instead of $10.

2

Pick a sponsor, do one short action (~3 min).

3

The sponsor pays the bill — the business earns extra.

Vision and value chain

Making every business Meta and Google

Businesses have the trust and attention of their customers.
Why don't they have a tool to monetise it — like Google and Meta?
Parking is the wedge — every SMB checkout is the market.

PayAttention20% success fee

📣

Advertisers

Guaranteed customers

🙋

Users

Everything for free

🏪

SMBs

Paid in full + revenue share

Win · Win · Win

Exit strategy

Acquiring-led sales

A way for banks to open more business and retail accounts — by giving real value to both.

💳

Standard acquiring

Moves money. A commodity — competes on basis points.

Processes payments

+ PayAttention→

📈

Enhanced acquiring

Processes payments and grows merchant revenue.

Acquires customers · covers purchases · drives loyalty

Natural acquirersBanksAcquirersCard networks

Moat

Why this compounds

🔁

Two-sided flywheel

More businesses → more sponsors → better offers → more businesses — and any merchant can flip sides and advertise.

🔒

Loyalty lock-in

Swapping acquiring is easy; ripping out a loyalty program wired into checkout is not.

Team advantageFounded & sold a B2B2C startupFintech DNA — Revolut

Traction

The concept is proven — first 50 transactions processed

10%

Lead → purchase conversion

$20

Average order value

70%

Action-completion rate

20%

PayAttention fee

Why now?

📈

CAC keeps climbing.

Covering a customer’s bill is now cheaper than performance marketing.

🪙

SMB margins get thinner by the day.

Many local businesses live on the edge — they need new revenue, not another cost cut.

Market

Now: SMB local commerce
Ambition: payments as a partner network

US local ad spend

PayAttention fee · 20%

Operating break-even at M9, $2.7M ARR run-rate at M12

$221K

MRR at month 12

~$320K

Peak burn — covered by the raise

M9

Operating break-even

MRR Costs EBITDA

Team

Built by founders with fintech and B2B2C experience

Andrey Monastyrskiy

Co-Founder & CEO

Founded and sold a B2B2C startup to X5. Today its GMV is over $1B.

Previously we co-founded a social-media app for the US market and ran performance marketing ourselves — so we know the pain on both sides.

Danil Larionov

Co-Founder & CPO

Product Owner at Revolut, where he runs a product with a model similar to PayAttention.

The ask

Raising $500K to reach break-even at M9 and $220K MRR at M12

SAFE · $5M cap ● $150K already committed Targeting $60M ARR by M36

Andrey Monastyrskiy

Co-Founder & CEO

andrew@payattention.now TG: @andrey_monastyrsky

Danil Larionov

Co-Founder & CPO

daniel@payattention.now TG: @larionovdanil

Feel the mechanics 🍿

Share your thoughts and get a $15 Netflix gift card.

Step 1 of 2

Where should we send your card?

Your email

We’ll send your card here - that’s it. No spam, no selling your info.

Step 2 of 2

What did you think?

Y

you@email.com

We'll email your card here

✓

What worried me *

What I loved *

Takes ~30 seconds. We read every single response.

NETFLIX

$15 Gift Card

You're in. Thank you! 🎉

We'll email your $15 Netflix card to you@email.com shortly — right after we read your feedback. Keep an eye on your inbox 🍿

Appendix

Additional materials

Supporting context — matching, framing & long-term vision.

Matching · users × advertisers

How we match users and advertisers

Four layers of offers — from the merchant's own world, to universal, to personal, to ones users never knew existed.

      1
🏪Merchant-related offersNative to the checkout you're in
Offers tied to the business’s own world — add-ons, upgrades and partner services around the purchase.

            Add-ons & upgrades
            Memberships
            Partner services
          

      2
🏦General financial offersAnyone qualifies · no data needed
High-value financial actions advertisers pay heavily to acquire — applicable to every user out of the box.

            Open a bank account $20–400
            Switch your payroll $40–1000
            Switch your insurance $40–1000
            Refinance your loans
          

      3
🎯Personalized offersSubstitutes for what you already use
Users share their data — via screenshots, Plaid and Gmail — and we offer cheaper or better substitutes for services they already pay for.

            Screenshots
            Plaid
            Gmail
            → cheaper substitute
          

      4
🔍Discovery offersOffers they didn't know existed
With that data we surface relevant offers the user never knew were available — ones that save them money, effort or time.

            Save money
            Save effort
            Save time
          

    

Frame · what we should be compared with

Our model is a combination of already-proven concepts

PayAttention

AppLovin

$160B valuation

Advertiser-funded actions

Klarna

$6B valuation

Alternative checkout

Rokt

$3.5B valuation

Transaction-moment monetization

TrialPay

Acquired by Visa

Sponsored attention becomes
a new class of payment rail

$$$

Credits

Let people pay later

Huge checks$12K average

$$

BNPL

Made credits consumer-friendly

Middle checks$135 average

$