What ripper does

ripper Ltd. is a London-based, AI-native payment operations platform that replaces traditional payment dashboards and manual operations teams with autonomous agents. The platform processes natural language prompts into production-ready payment logic — covering checkout flows, routing, fallbacks, decline recovery, dispute management, merchant verification, and continuous transaction monitoring — and is delivered as an API that integrates directly into AI-native developer environments (Claude Code, Cursor, Windsurf, Bolt, Replit, Codex, Lovable). Its modular product suite spans Agentic Checkout, Checkout Copilot, Self-Healing Declines, Explainable Declines, Anomaly Storytelling, Autonomous Dispute Management, Real-Time Merchant Verification, Continuous Transaction Monitoring, AI Sandbox, A/B Autopilot, Animated Settlements, AI-Guided Merchant Onboarding, Ripper Copilot, and a Recipe Marketplace, supported by integrations with multiple PSPs (PSP-A, PSP-B, PSP-C) plus Apple Pay and PayPal wallet fallbacks.

The company targets growth/product teams and operations teams that lack dedicated payments engineering staff and currently stitch together PSP consoles, BI queries, and spreadsheets; its value proposition centers on eliminating integration friction, compressing experimentation cycles, and recovering revenue from declined transactions autonomously. The distribution model is API-first product-led growth with self-serve deployment from natural-language prompts, supplemented by an alpha waitlist and community-driven recipe sharing.

Commercially, ripper is at an early stage: founded in 2025, with 1–10 employees, the product is in alpha (launched 2026) with publicly undisclosed pricing, no named customers, and a single disclosed funding event — a $500,000 seed round from SFC Capital on 2026-03-11. Operating geographies claimed include the United Kingdom, Brazil, and the United States.

Name

ripper

Legal name

ripper ltd.

Website

https://ripper.dev

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

ripper Ltd. is a London-based, AI-native payment operations platform that uses autonomous agents to handle onboarding, disputes, verification, decline recovery, and checkout generation via API integrations with AI coding tools. It targets growth and operations teams seeking to replace payment dashboards and manual ops with prompt-driven, self-healing payment infrastructure.

Ownership category

akta.pro rank

Product category

Payment Operations Software

NAICS

Collection Agencies (561440)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG)

akta.pro secondary industries

Bot Management & Credential Stuffing Protection (FSAMALAG), Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD)

Keywords

• Payment operations platform
• AI payment infrastructure
• Payment routing optimization
• Chargeback management software
• Merchant onboarding automation

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API Access / Platform Fees: Revenue generated from API access to the payment operations platform, likely subscription or usage-based pricing for autonomous payment handling, dispute management, and checkout generation.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Ripper is an AI-native payment operations platform that exposes an API accepting natural language prompts and returning production-ready payment logic (routes, fallbacks, compliance rules). It autonomously handles merchant onboarding, dispute management, fraud monitoring, decline recovery, and checkout generation without traditional dashboards, integrating directly with AI coding tools such as Claude Code, Cursor, Windsurf, Bolt, Replit, Codex, and Lovable.

Product overview

Ripper is an AI-native payment operations platform designed as a single unified system with modular components. The core Ripper Platform handles autonomous payment operations including dispute management, fraud prevention, merchant verification, and checkout generation. It integrates with AI coding tools (Claude Code, Cursor, Windsurf, Bolt, Lovable, Replit, Codex) and multiple PSPs (PSP-A, PSP-B, PSP-C) for routing optimization. The product suite includes Checkout Copilot for chat-based checkout design, Agentic Checkout for prompt-driven payment flow generation, Self-Healing Declines for autonomous recovery, Explainable Declines for decline code translation, Anomaly Storytelling for monitoring insights, Recipe Marketplace for community knowledge sharing, AI Sandbox for PSP simulation, A/B Autopilot for experimentation, Animated Settlements for reconciliation visualization, AI-Guided Merchant Onboarding for KYC, and Ripper Copilot as a central chat interface. The platform is currently in alpha (2026) with open waitlist.

Differentiator

Problem solved

Functional benefit

Products and services

• Ripper Platform AI-native autonomous payment operations platform that handles disputes, fraud, verification, and checkout generation 24/7 without human intervention. Replaces traditional PSP consoles, BI dashboards, and spreadsheets with autonomous agents, exposed via an API that accepts natural language prompts and integrates with AI coding tools.
• Checkout Copilot Chat-based interface for designing payment flows. Scans site URLs, matches branding, and co-designs callbacks for auth vs non-auth flows plus settlement exports.
• Agentic Checkout Prompt-driven checkout builder that generates, prototypes, and validates payment flows from natural language descriptions of layout, payment mix, and branding with issuer-aware routing.
• AI Sandbox
• AI Sandbox Simulation environment for testing payment routing across PSPs with issuer, BIN range, and fraud scenarios. Suggests optimal traffic mix across PSPs (PSP-A, PSP-B, PSP-C) to maximize net revenue.
• AI-Guided Merchant Onboarding AI copilot for merchant onboarding that auto-fills company records, scans storefronts, syncs Companies House filings, and nudges for documents without PDF forms, with full automation timeline tracking.
• Recipe Marketplace Community platform for sharing, upvoting, remixing, and co-creating high-converting payment flows with AI assistance. Acts as a gamified knowledge layer for builders and AI agents.
• Explainable Declines Translates opaque decline codes into human-readable explanations with instant recovery plays, projected uplift statistics, and copilot automation timelines.
• A/B Autopilot AI-powered checkout experimentation that generates variants, simulates results, and auto-selects winners based on performance metrics.
• Animated Settlements Visualization of funds movement through payment rails into bank accounts, with daily payouts, projected earnings, and reconciliation alerts.

Quantifiable outcome

• 12% conversion improvement with prompt-driven checkout
• +5 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability10 records

Feature10 records

Partnerships

Seven partnerships are on record, tiered core.

• Claude CodecoreTechnology or Integrationripper integrates with Claude Code, Anthropic's AI coding assistant, enabling developers to generate payment configurations through natural language prompts within their existing coding workflow.
• CursorcoreTechnology or Integrationripper integrates with Cursor IDE, allowing developers to describe payment needs and receive production-ready payment logic directly in their development environment.
• WindsurfcoreTechnology or Integrationripper integrates with Windsurf AI IDE, enabling developers to generate payment configurations through natural language within the Windsurf development workflow.
• Bolt (v0)coreTechnology or Integrationripper integrates with Bolt v0, allowing developers to generate payment logic through AI-assisted development within the Bolt platform.
• ReplitcoreTechnology or Integrationripper integrates with Replit online IDE, enabling developers to build and deploy payment configurations directly within the Replit cloud development environment.
• CodexcoreTechnology or Integrationripper integrates with Codex (OpenAI), enabling developers to leverage AI coding capabilities for generating payment configurations through natural language prompts.
• LovablecoreTechnology or Integrationripper integrates with Lovable AI development platform, allowing developers to generate payment flows through natural language within the Lovable workflow.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ProcessOut: Payment monitoring, routing, and optimization platform focused on increasing authorization rates and reducing decline costs. Directly comparable to ripper's AI Sandbox, Smart Routing, and decline-recovery features.
• Justt: AI-driven chargeback automation and dispute representment platform. Closest direct competitor to ripper's Autonomous Dispute Management sub-product, replacing manual representment with intelligent automation.
• Riskified: Chargeback guarantee and fraud detection platform using ML to approve/reject transactions and win representments. Competes with ripper's autonomous dispute and continuous transaction monitoring capabilities.
• Cellpoint Digital: Payment orchestration hub connecting merchants to multiple acquirers and PSPs with smart routing. Comparable to ripper's multi-PSP orchestration and unified payment-ops layer.
• Primer.io: Payment orchestration and optimization platform that lets merchants route, retry, and unify transactions across PSPs. Closest direct competitor to ripper's multi-PSP routing, decline recovery, and unified checkout vision.

Regional players

• TrueLayer: UK-based API-first open banking payments platform. Comparable as a UK-rooted, API-first fintech targeting developer-led integration — though focused on account-to-account payments rather than card orchestration.

Emerging players

• Sift: Digital trust and fraud-detection platform using ML for transaction risk scoring and content abuse. Partial overlap with ripper's anomaly detection, merchant verification, and continuous transaction monitoring.

Broad incumbents

• Stripe: Global payments incumbent with Stripe Sigma analytics, Smart Retries, and Radar fraud tooling. Competes with ripper on intelligent routing, decline recovery, and dispute/chargeback automation as part of a much broader payments stack.
• Adyen: Enterprise payments platform offering unified global processing, network tokenization, and RevenueAccelerate for auth-rate optimization. Competes broadly with ripper's PSP optimization and decline-recovery value proposition.
• Checkout.com: Global payments processor offering intelligent routing, fraud tools, and unified acquiring. Competes with ripper on optimization and authorization-rate improvement, with deeper banking rails.

Market position

Strengths5 records

Weaknesses5 records

Key risks7 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 ripper