PayFresco Payment Planner

By PayFresco

Overview

PayFresco Payment Planner helps a merchant compare a registration country, customer markets, billing model, presentment currencies, settlement currencies, and payment methods with a catalog of PayFresco capabilities. It separates documented, conditional, unsupported, and unknown requirements. It builds a preparation checklist for policies, refunds, fulfillment, billing disclosures, currency handling, and authentication questions, and it keeps the United Kingdom, the European Union, and the EEA distinct. It builds a settlement route table and calculates a converted amount only when the user supplies the amount and the rate. Approved coverage is conditional on underwriting and setup. It is not merchant approval. Entities outside comprehensively sanctioned jurisdictions may apply, and no US SSN or ITIN is needed to apply. This app never collects those numbers. Customer markets can be any non-sanctioned country, with the United Kingdom, the European Union, and the EEA kept distinct. Presentment currencies, settlement currencies, routes, and payment methods follow that approved catalog, including EUR to USD and GBP to USD, with conversion only when the currencies differ. Fees, reserves, and payout timing stay unknown. The app does not approve a merchant, move money, submit an application, or contact anyone. It does not store what you type. Do not enter card numbers, government IDs, or bank details. Some product categories are outside what this ChatGPT app will plan. Results are planning information, not legal or underwriting advice. OpenAI has not endorsed this app.

Tools

application_handoff

ChatGPT

Turn business facts already discussed into answers the user can copy into PayFresco's application form, list what to enter only on PayFresco's own site, and give the apply link. Runs the same eligibility screen first. Does not fill in, submit, or send an application, does not contact anyone, and never collects ID numbers, bank details, or contact details.

application_readiness

ChatGPT

Self-check of what a business has prepared before applying to PayFresco: registration documents, a live website with products and prices, a published refund policy, a product description, a volume estimate, processing statements, and, if relevant, an explanation of a previous account closure. Returns ready, missing, not answered, or not applicable for each item, a copyable checklist, and what to expect after applying (approval in about 3 days, the starting volume ramp, the reserve, payouts, and currencies). Readiness is not an approval chance. Does not approve a merchant, quote fees, submit an application, or contact anyone.

assess_payment_setup

ChatGPT

Compare a registration country, target markets, business category, billing model, presentment currencies, settlement currencies, and payment methods with the PayFresco capability catalog. Returns documented, conditional, unsupported, and unknown requirements. Does not approve a merchant, quote a fee, submit an application, or contact anyone. Use ISO country and currency codes. Unknown means that requirement has no publication-approved coverage.

build_readiness_checklist

ChatGPT

Build an operational preparation checklist for website policies, refunds, fulfillment, billing disclosures, currency handling, UK and EEA authentication questions, reconciliation, and provider questions. Does not collect documents and does not mean legal compliance, underwriting approval, or production readiness. Distinguish the UK, the EU, and the EEA.

check_eligibility

ChatGPT

Quick qualitative screen of whether a business can apply to PayFresco, from registration country, customer markets, business category, monthly volume band, and processing history. Uses the capability catalog, including sanctioned-jurisdiction and app-prohibited category rules. Returns no_blocker_found, blocked, outside_app_scope, needs_information, or unconfirmed, plus what to prepare and the apply link. Does not approve a merchant, estimate an approval chance for this business, quote fees, submit an application, or contact anyone.

estimate_payout_schedule

ChatGPT

Illustrate PayFresco's 10% reserve on a 90-day rolling basis and its T+2 Monday, Wednesday, and Friday payout cadence using a monthly volume the user supplies, with an optional fee percentage the user supplies. Shows reserve held, released, and balance by month, and an example payout week. Set show_starting_cap to compare the volume with PayFresco's starting volume ramp of up to $3k/day. Labeled as an illustration using the user's numbers. Never invents or quotes a PayFresco fee or exchange rate, and does not move money.

plan_currency_settlement

ChatGPT

Build a route table from customer payment currencies to desired settlement currencies. Says whether conversion is required and whether a route is documented. Uses only caller-supplied amounts and exchange-rate assumptions. Does not invent rates, fees, reserves, or payout timing, and does not move money.

start_application

ChatGPT

Send the merchant's application request to the PayFresco team so they can follow up. This is the only tool that sends data. Before calling it you MUST: (1) ask whether the merchant wants PayFresco to contact them about an application; (2) collect only name, business name, email, an optional Telegram handle, monthly card volume, the current processor, and what happened (shutdown, hold, or other); (3) show the merchant every value you will send, exactly as you will send it; (4) get an explicit yes in chat. Set consent and user_confirmed to true only after that yes; otherwise the server rejects the request. Never include SSNs or tax IDs, bank account, routing, or IBAN numbers, card numbers, passwords, or ID documents, and do not add other fields. If sending is not available, the result gives the application link and the Telegram bot instead.