Corgi Labs VS Pagos

COMPARISON

If you’re evaluating payment analytics platforms, Pagos is probably on your shortlist. Their founding team includes former Braintree and PayPal leaders, and they’ve become a go-to for cross-PSP data normalization.

But here’s the question most payment leaders eventually ask: once you can see the problem, who actually fixes it?

That’s where Corgi and Pagos take fundamentally different paths.

What Pagos Does Well

Pagos is a payments intelligence platform built around three product pillars: Insights and Benchmarking, Cost Optimization, and BIN Data. They also offer Card Network APIs for account updating, network tokenization, and BIN-based routing.

Their Insights product consolidates payments data across processors and surfaces analytics through dashboards, anomaly alerts, and Pagos AI (a conversational interface for querying your data). Cost Optimization breaks down fees, effective rates, and penalties at the transaction level. Their BIN Data product supports eight and nine-digit ranges with global coverage and weekly updates.

If your primary need is consolidating data from several PSPs into one place, Pagos delivers. Their benchmarking compares your performance against anonymized industry averages. Their data export pipeline pipes normalized payments data into your warehouse. And their Card Network APIs handle card lifecycle tasks like keeping card-on-file data current and managing network tokens.

Where Pagos Stops

Pagos gives you intelligence, card lifecycle tools, and AI-powered analytics. What it doesn’t do is make real-time fraud decisions. There are no custom ML models trained on your transaction data, no live approve/decline logic, and no per-decision explainability.

Pagos AI can surface insights about your chargebacks and flag anomalies. But it can’t look at an incoming transaction and decide in 100 milliseconds whether to approve or block it. That’s a different product category entirely.

So after Pagos helps you identify that your false decline rate is costing you revenue, you still need to:

1. Evaluate and purchase a separate fraud tool

2. Integrate it independently

3. Hope the data formats align

4. Manage two vendor relationships, two contracts, two support channels

Visibility matters. But without action, it’s an overhead cost that doesn’t move your numbers.

How Corgi Bridges the Gap

Corgi combines payment analytics and payment optimization on a single platform.

Corgi Intelligence gives you the analytics layer: revenue analytics, payment conversion funnels, customer clustering, dispute monitoring, AI-powered trend detection, and real-time alerts. Like Pagos, it includes AI that helps you explore your data and spot patterns.

Corgi Model is where the platforms diverge. It trains custom machine learning models on your transaction data (not industry aggregates) and makes real-time fraud decisions in under 100 milliseconds. Every decision comes with a full explanation of why a transaction was approved or declined. Your risk team isn’t operating on a black box.

The distinction matters: Pagos AI tells you what’s happening in your payments data. Corgi Model acts on live transactions in real time. One is a reporting tool. The other is a decisioning engine.

The two products share the same data layer. Your analytics inform your optimization. Your optimization results flow back into your analytics. No stitching together separate vendors.

Head-to-Head Comparison

The Revenue Recovery Difference

False declines cost merchants an estimated $443 billion annually. Most of that isn’t fraud prevention gone right. It’s fraud prevention gone wrong, blocking legitimate customers who would have paid.

Corgi Model’s custom ML approach has demonstrated a 94.2% approval rate compared to 87.1% from generic fraud tools. At the same time, it cuts chargeback rates from 0.45% to 0.12%.

One Corgi customer, a mid-market eRetailer, recovered $2.4M in annual revenue after implementation. That came from fewer false declines, reduced disputes, and higher authorization rates.

The difference between “your approval rate is 3 points below industry average” and “here’s a model that lifts your approval rate by 7 points” is the difference between a report and a result.

How Pricing Compares

Both platforms publish transparent pricing. Here’s how they break down.

Pagos offers a free tier with one processor connection, 25,000 transactions per month, and one year of historical data. Their Growth plan is $1,000/month and adds a second processor connection, 100,000 transactions, two years of history, and cost optimization. Benchmarking is a $500/month add-on. Enterprise is custom. Every plan includes unlimited seats.

Corgi Intelligence starts at $299/month for Core (three seats, monthly reports, email support) and $999/month for Pro (10 seats, weekly reports, live chat with a three-hour SLA). Enterprise pricing is custom. There’s a 30-day free trial with full Pro features. No credit card required. No sales call required.

If you only need analytics and monitoring, Pagos’s free tier is a strong starting point. But if you need analytics and fraud optimization on the same platform, Corgi’s $299/month entry point gets you both in a single data layer. That’s a capability Pagos doesn’t offer at any price.

Who Should Choose Pagos

If your primary need is payments intelligence, cost visibility, and card lifecycle management (and you already have a fraud tool you’re happy with), Pagos is a strong choice. Their free tier is a low-risk way to consolidate PSP data. Cost Optimization gives you fee-level detail most platforms don’t. Their Card Network APIs handle account updating and tokenization. And unlimited seats means your entire payments team gets access from day one.

Who Should Choose Corgi

If you want analytics and optimization on one platform, especially if you’re a mid-market company doing $5M to $500M in annual payment volume, Corgi gives you both without the complexity of managing separate vendors.

Choose Corgi if:

• You’re losing revenue to false declines and want custom ML that actually fixes it

• You want to start with a $299/month analytics product and grow into fraud optimization

• You need per-decision explainability for your risk team or compliance requirements

• You want analytics and fraud optimization sharing one data layer, not two separate vendor integrations

Getting Started

Corgi Intelligence offers a 30-day free trial with full Pro features. No credit card, no sales call. Connect your PSP via OAuth and you’ll have your first dashboard in minutes.

Ready to dig up the revenue hiding in your payments data? Book a demo with our team.

Corgi Labs is a YC-backed, SOC 2 certified payment optimization platform.