Koby Imlay turns messy merchant statements into leverage.
Koby founded PayPro after seeing how often small and mid-sized businesses accepted processor markups they would never approve if the statement were written clearly.
PayPro exists because the statement should not be the hardest part of running a business.
After years working around the payment processing industry, Koby saw small businesses paying rates and monthly add-ons that larger companies would negotiate away immediately. The problem was not effort. It was visibility.
PayPro combines AI statement analysis with a real processor network so merchants can see what they are paying, what can be changed, and which processor is actually competing for the account.
The operating principle is simple: explain every line item, recommend against PayPro's interest when the merchant already has a better setup, and keep watching statements after the switch.
Industry fluency with merchant-first incentives.
ETA Member
Electronic Transactions Association
PCI Compliance Expert
Payment Card Industry standards
$2.4M+ Saved
For clients in 2024 alone
2,847+ Statements
Analyzed and optimized
The practical parts of payments merchants usually never get taught.
Built in public through merchant outcomes.
Founded PayPro
Launched PayPro to bring transparent payment processing to business owners who were tired of vague statements.
30+ Processor Network
Built a processor-agnostic partner network so merchants could compare options instead of accepting one quote.
AI Analyzer Launch
Introduced AI-powered statement analysis to translate merchant fees into plain-English savings opportunities.
$2.4M Client Savings
Helped merchants keep more than $2.4 million that would have gone to processor markups and hidden fees.
Want Koby's team to read your statement?
PayPro will show where the money is going, which fees are negotiable, and whether switching processors is actually worth it.