The neutral source of truth for payment method acceptance
A single, human-curated database of the local and alternative payment methods that decide whether a charge goes through — validated with providers, not scraped or guessed by AI.
Whether a client's payment goes through is a data problem.
Irrespective of the country, acceptance depends on offering the right local method at the right cost. That map is usually built on stale decks, biased provider data, or an LLM that's wrong more than half the time.
Stale decks & spreadsheets
APM/LPM maps live in slide decks and spreadsheets that are obsolete the day they're shared.
Biased provider data
Vendor reports push their own rails — there's no neutral view per payment method.
AI is wrong more than half the time
Ask a language model for approval rates or MDRs per vertical, and it answers confidently — and incorrectly.
Declines you can't explain
Without the right local-method mix per market, client charges fail and surface downstream as decline codes.
The neutral intelligence layer for that decision.
A single, agnostic database of the methods that decide acceptance — manually curated and provider-validated, so you can compare the whole market on equal terms.
Revenue and cost, across every payment method.
Acceptance is the whole game. Better method intelligence moves all three levers at once.
More successful client charges
Right local method, right market — fewer failed collections.
Lower MDR and FX per accepted transaction
Realistic pricing per vertical, not list rates or guesswork.
Fewer declines & disputes
Upstream method choices fix what shows up downstream as decline codes.
Curation is the product.
Money movement can't run on data that's right half the time. Reliability is the whole point.
- Confidently wrong on approval rates, MDRs, FX and more
- No provider validation behind the numbers
- Even cautious frontier models hallucinate APM details, limits and providers per vertical
- Manually curated, every entry
- Stress-tested, then validated directly with each provider
- Neutral — no rail has an agenda in the data
A neutral source of truth, per payment method and per vertical.
MDR by vertical + FX rates
Realistic, curated pricing ranges.
Recommended providers
Validated PSPs and aggregators per method.
Approval rates
Per payment method and per vertical.
Dispute & chargeback model
Liability and risk, per method.
Limits & settlement timing
Lower and upper limits, settlement speed and more.
Licensing to accept locally
What it takes to go live in each market.
What Founding Partners help shape next.
Granular MDR by volume tier
Pricing bands per transaction size, not a single range.
Live acceptance benchmarks
Validated approval-rate references, kept current, per vertical.
Tech integration insights
Harmonized docs, iframe details, direct-integration shortcuts.
Settlement, chargebacks & disputes
Deep, per-method operational granularity.
Licensing & compliance
Local entities, master/sub-merchant, DORA and data sovereignty.
Providers, risk appetite & limits
True PSP risk appetite, caps and stress-test capacity across risk tiers.
API-first — embedded in your dashboard, not a standalone tool.
The same neutral data, delivered as an API your systems call directly.
Recommend the optimal mix
Embed so any orchestrator or in-house checkout surfaces the right local-method mix per market, automatically.
Benchmark vs neutral baselines
Match your real MDRs, FX and approvals per tier against an agenda-free reference.
Usage-based, token-style pricing
Pay per API call. One integration scales across 180+ markets — no new deck or research cycle each time.
The ground truth for agentic payments.
Payments are starting to go agentic. When they do, acceptance decisions need a neutral reference to query — that's the layer PML is building.
The agenda-free, global APM/LPM intelligence layer that payments teams — and the agents that will act for them — query as ground truth for acceptance decisions, across every method and market.
Neutral by construction
Agents can't trust provider-biased data to decide where money flows.
One reference, every rail
A single ground truth instead of many conflicting provider feeds.
Payment method-curated
Acceptance answers for every market and payment method an agent might touch.
10 Founding Partners. Locked-in pricing, direct input on the roadmap.
Power up the database, lock Founding Partner pricing, and help shape what ships next. A live drill-down on your worst-acceptance market or a payment method takes under 10 minutes.
The Ultimate Alternative Payment Methods Guide
Alternative payment methods (APMs) are how most of the world actually pays online — wallets, bank transfers, BNPL, and local rails like Pix, iDEAL, UPI and Bizum. Our free guide breaks down every major APM by type and region, and shows you how to build the right mix for global acceptance.
Read the guide