About Us
Payment Matters AI was founded by two payments and fintech leaders with decades of combined industry experience who saw firsthand how businesses of all sizes can unknowingly overpay for payment processing. We use AI-powered technology to uncover hidden costs, improve transparency, and ensure every business pays only what they should.
Our Core Values
Transparency First
We believe every business deserves complete visibility into what they are paying and the confidence that their payment costs are fair and accurate.
Customer Advocacy
We put businesses first by helping them identify unnecessary costs, recover savings, and make better-informed payment decisions.
Innovation Through AI
We combine deep payments expertise with intelligent technology to simplify complexity and deliver insights that were previously difficult to access.
Integrity Always
We operate with honesty, fairness, and accountability because trust is the foundation of every relationship we build.
Built by Payments Experts, Designed for Every Business
At Payment Matters AI, we believe every business—regardless of size—deserves to know they are paying a fair price for payment processing. Whether you are a small business processing your first transactions or a large enterprise managing millions in payments, you should never be unknowingly overcharged.
Founded by two payments and fintech leaders with decades of combined industry experience, Payment Matters AI was created to solve a problem we have seen firsthand: businesses often lack the visibility, tools, and expertise needed to identify unnecessary payment costs and pricing discrepancies.
With deep experience across payments, fintech, technology, and business growth, our founders understand the complexity behind payment contracts, processing fees, and merchant statements. We combine this expertise with artificial intelligence to help businesses automatically analyse their payment data, uncover overcharges, and recover savings that go directly back to their bottom line.
Our mission is to level the playing field by making payment intelligence accessible to every business. We are helping companies of all sizes take control of their payment costs, improve transparency, and ensure they only pay what they should.
Our Team
Jeff Bogensberger is an entrepreneur and technology executive with more than 30 years of leadership experience in fintech, payments, and emerging technology. He has built and scaled startups, led high-performing teams, and developed innovative solutions that help businesses reduce costs and improve performance.
As a founder, Jeff combines strategic vision with practical execution, leveraging AI and technology to create smarter, more efficient businesses.
David Lunt is a payments specialist with more than 20 years of experience across Australia, the UK and international markets. He has worked with leading payment networks, merchants, transport operators and technology providers, including Visa, American Express, Discover and JCB, helping organisations navigate complex payment environments, reduce costs and improve performance. David combines deep industry expertise with a practical, independent approach to payment optimisation, giving businesses greater visibility and control over what they pay and how their payments perform.
Dan Heckendorf is a seasoned finance executive with extensive experience across fintech, payments, and corporate finance. He has held senior financial leadership roles, providing strategic guidance on financial management, commercial growth, governance, and business operations.
As Chief Financial Officer, Dan combines financial discipline with commercial insight to support sustainable growth, helping businesses optimize performance, manage risk, and make informed strategic decisions in an evolving technology landscape.