PayAttention

Pay with attention,
not money.

9:41

🅿️

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2h parking · covered by Revolut

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Problem

Performance marketing is
expensive and unreliable

Solution

Cost per Action marketing channel

Transactions with embedded ads

1

Customers receive instant discounts at local businesses.

2

To keep the discount, they explore and use sponsor offers.

3

Businesses pay only for confirmed customers.

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

Traction

Early MVP proves the concept

Early adoption: 10% of pilot shoppers chose PayAttention at checkout.

100+

Transactions

70%

Offer completion

12K

Advertisers with 100K+ offers available

Market

300M target transactions
every day in the US

Just 2% of this market is an Instagram-sized marketing channel.

Our early pilot already shows 10% adoption at checkout.

Financial plan

$150K MRR at M6, break-even at M9,
$400K MRR at M12

$150K

MRR at month 6

M9

Operating break-even

$400K

MRR at month 12

PayAttention retained 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 $150K MRR at M6, break-even at M9 and $400K MRR at M12

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

Andrey Monastyrskiy

Co-Founder & CEO

andrew@payattention.now LinkedIn

Danil Larionov

Co-Founder & CPO

daniel@payattention.now LinkedIn

Feel the mechanics 🍿

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Step 1 of 2

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Your email

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Takes ~30 seconds. We read every single response.

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Appendix

Additional materials

Exit strategy, why now, moat, matching, framing & long-term vision.

Appendix · Exit strategy

Acquiring-led sales for banks

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

Appendix

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 streams.

Appendix · 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

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

Paylode

Acquired by Moved

Embedded perks and incentives

Vision · how to become a unicorn

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

$

Pay with attention,not money.

Performance marketing isexpensive and unreliable