The Future of Card Payments
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AI CREDIT CARD OPTIMIZATION
Tired of thinking or using multiple apps to determine which credit card to use? With Payelle, choosing the right card is effortless. Simply shake your phone, and our AI instantly selects the best credit card for your purchase—based on live merchant categories, location, card perks, and every reward data point available. No more guessing what category a store falls under or fumbling at checkout. Payelle knows your cards inside and out, and automatically routes every purchase to the option that earns you the maximum cash back, points, and perks—every single time. That's right- shake, earn, and enjoy instant notifications for peace of mind.
REAL-TIME ANALYTICS
Every purchase you make through Payelle is instantly analyzed by our AI engine to ensure you’re always using your highest-performing card. Beyond maximizing rewards in the moment, we provide insights into your spending patterns—showing you which cards deliver the most value. And if there’s an even better credit card out there for the categories you use most, we’ll recommend it—helping you level up your wallet with smarter choices.
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SECURE PAYMENT METHODS
Your security comes first. Payelle never accesses your personal financial information. Instead, we work seamlessly with the virtual wallet you already trust—Apple Pay, Google Pay, or Samsung Pay. Simply follow our quick setup steps, and you’re ready to shake, pay, and start earning more rewards—without compromising your security or privacy.
Why We Exist
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PAYELLE.AI
Tired of juggling spreadsheets to track rewards? Frustrated by carrying multiple cards or second-guessing which one to use at checkout? We’ve all made a purchase only to realize later that another card would’ve earned more rewards—or gotten lost in the confusion of how different banks classify categories. Many settle for a flat 2% cash back just to avoid the hassle, leaving bigger rewards on the table.
That’s why we built Payelle. Our automatic engine does the thinking for you—routing every purchase to the best card, every time. No more guessing, no more missed opportunities. Just maximum rewards, without lifting a finger. Our team created Payelle out of our own frustration, and since no one else solved it, we decided to.
Our Users Earn on Average an Extra $1,200 per Year
