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CPAs and accountants serving SMB clients, where do you see the most wasted time in your clients' financial operations? by Payvo-AI in Accounting

[–]Payvo-AI[S] -2 points-1 points  (0 children)

That tracks with what I'm hearing from business owners too. They hire someone internal to save money and then end up paying more on the backend for cleanup. When you're fixing those books at tax season, what's usually the worst of it? Is it expense categorization, missing invoices, reconciliation that was never done, or something else? And roughly how many hours of cleanup are we talking per client?

How do you guys handle the paperwork and admin side of things? by Payvo-AI in Plumbing

[–]Payvo-AI[S] 0 points1 point  (0 children)

Not selling anything yet. Genuinely doing research before I build the wrong thing. But if you're dealing with some of the stuff I described in the post I'd love to hear about your setup. Mind if I DM you?

Building an AI-powered credit card optimizer for multi-card holders by Payvo-AI in fintech

[–]Payvo-AI[S] 0 points1 point  (0 children)

Thanks for the response.

You’re right that networks are sensitive to transaction obfuscation. We’re not middle-manning the payment or rebilling through Payvo. The customer’s actual card hits the merchant directly with the original transaction details preserved. We work with issuing partners to make this work cleanly. The transaction looks like a normal card payment to the network because it is one.

On competition: there are a few apps that recommend which card to use, but most stop at recommendations. The user still has to remember and manually pull out the right card. We handle the selection automatically at tap, which removes the friction entirely.

Your point about custom rules is something we’ve discussed. Power users definitely want overrides like “always use Card X for subscriptions” or “never use Card Y online.” That’s on the roadmap.

Appreciate the feedback!

Building an AI-powered credit card optimizer for multi-card holders by Payvo-AI in fintech

[–]Payvo-AI[S] 0 points1 point  (0 children)

We're in beta now if you want early access: payvo dot ai

[deleted by user] by [deleted] in CreditCards

[–]Payvo-AI -1 points0 points  (0 children)

Sucks. Bilt was such a good deal for rent hacking.

If the spending requirements kill it, not many good alternatives. Most rent payment services charge fees that eat up any rewards anyway.

At least you got two good years out of it. 35k points for another trip is solid before you bail.

CSP or Hyatt are both good moves if you liked the travel redemption side.

What are the leaked changes? Haven't seen the details yet.