PaySHFT

What PaySHFT does

PaySHFT is a private fintech/SaaS company founded in 2025 that builds payment infrastructure for service transactions, targeting the asymmetric risk problem where customers pay deposits upfront without completion guarantees and providers risk non-payment for completed work. The platform centers on the SHFT Contract — an AI-native service agreement that holds funds, verifies work completion, and releases payment upon verification. The product suite comprises four modules: SHFT Contract (the core agreement instrument), SHFT Intelligence (an AI system managing contract generation, risk scoring, fraud prevention, and photo-based completion verification), SHFT Contacts (counterparty relationship management), and SHFT Wallet (instant payout rails). Computer vision is used to verify work through photo uploads, check-ins, and milestone data, while AI-driven risk scoring flags red flags before funds move.

The company serves three segments: service providers (contractors, freelancers, tradespeople, home-service professionals seeking guaranteed payment), end customers (homeowners and businesses seeking protection against non-completion), and platforms (SaaS tools and vertical marketplaces that need embedded payment infrastructure for service transactions). Distribution is primarily self-serve direct digital with a parallel embedded/white-label channel targeting enterprise platform partners; the company also references large service networks and disaster-response operations as use cases. Pricing is not publicly disclosed, and acquisition runs through a website contact form and [email protected] email, consistent with a pre-revenue, pre-launch commercial posture.

Operating with 1–10 employees under Founder & CEO Derreck Stratton, PaySHFT has disclosed no funding rounds, no customers, no partnerships, and no geographic footprint. GTM relies entirely on owned channels — website contact form, FAQ section, and email — with no content marketing, paid acquisition, or social presence disclosed. The business model mechanics (take rate on escrowed funds, subscription, or per-contract fee) are not stated in available materials, leaving unit economics unverified.

Name

PaySHFT

Website

https://PaySHFT.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

PaySHFT is a fintech/SaaS platform that provides AI-native payment infrastructure for service transactions, using contract intelligence and computer-vision work verification to secure funds upfront and release them upon completion. It serves service providers, customers, and platforms.

Ownership category

akta.pro rank

Product category

Service Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), Services-Prepackaged Software (7372)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Marketplace & Platform Seller Payouts (FSAMAKAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Service payment infrastructure
• AI contract management
• Escrow payment platform
• Instant payout platform
• Fintech for service economy

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Distribution channels2 records

Marketing channels3 records

Core offering

PaySHFT provides AI-native payment infrastructure for service work, centered on the SHFT Contract—a lightweight, AI-driven service agreement that secures customer funds upfront, verifies work completion using AI (photos, check-ins, milestone data), and releases payment instantly. Its SHFT Intelligence system performs risk scoring and fraud prevention across the entire service-project lifecycle, serving individual contractors/freelancers, homeowners/businesses hiring them, and SaaS platforms that embed the payment rails.

Product overview

PaySHFT is a fintech/SaaS platform that provides modern payment infrastructure for the service economy. The platform centers on the SHFT Contract—a lightweight, AI-native service agreement that verifies work, secures funds, and releases payment instantly upon completion. Built around the core SHFT Intelligence system, it also includes SHFT Contacts for relationship management and SHFT Wallet for instant fund access. The platform serves service providers (contractors, freelancers, tradespeople), customers (homeowners, businesses), and platforms requiring embedded payment workflows.

Differentiator

Problem solved

Functional benefit

Products and services

• SHFT Contract

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature7 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• PayPal: PayPal offers broad payments, payouts, and buyer/seller protection that overlaps PaySHFT's service-provider and customer use cases — a broad incumbent with scale PaySHFT would need to compete with or partner around.
• Angi: Angi connects homeowners with home-service pros and includes payment processing — a broad incumbent serving the same customer-provider dyad as PaySHFT, though as a marketplace rather than payment infrastructure.
• Thumbtack: Thumbtack is a home-services marketplace with native payments between customers and service pros — broadly comparable as it sits in the same service-transaction flow PaySHFT targets, but Thumbtack owns the marketplace while PaySHFT offers payment infrastructure.
• Bill.com: Bill.com provides B2B bill pay, invoicing, and AP automation — comparable as a payments and contract-related platform for service transactions, though oriented toward bill pay rather than AI-verified service completion.

Direct peers

• Resolve: Resolve offers B2B payment infrastructure with dispute resolution and payment protection for service transactions — directly comparable to PaySHFT's model of holding funds and resolving service completion before release, though focused on B2B vendor payments.
• Veem: Veem provides business payment infrastructure including contractor and freelancer payouts with payment protection — directly comparable to PaySHFT's service-provider instant-payout and protection value proposition.
• Modern Treasury: Modern Treasury provides payment infrastructure APIs for moving money between accounts, including escrow-like workflows and disbursements — comparable as payment-orchestration infrastructure, though oriented more toward enterprise treasury than service-work verticals.
• Escrow.com: Escrow.com provides online escrow services that hold funds until transaction conditions are met — directly analogous to PaySHFT's fund-holding-until-completion model, though without the AI-native contract and verification layer PaySHFT emphasizes.
• Dwolla: Dwolla provides ACH payment infrastructure APIs for disbursements and payouts — comparable as underlying payment-rail infrastructure that platforms could use for service transactions, similar to PaySHFT's embedded payment layer.
• Stripe Connect: Stripe Connect powers marketplace and platform payouts with split payments, KYC, and instant payouts — directly comparable to PaySHFT's embedded platform offering for service transactions, though Stripe is horizontal and PaySHFT is service-vertical.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PaySHFT