This is a story of inflexible legacy systems — and of building the next wave of fintech products right on top of them.
PaySitters is rethinking how America pays its bills. The company helps consumers with tight cash flow avoid late fees by paying their bills on time, then letting them repay flexibly as funds arrive. For billers, it means fewer delinquencies, fewer service interruptions, and happier customers. Crucially, it also slashes the cost to serve by eliminating the administrative burden of chasing payments and significantly reducing credit risk.
By merging bill-level intelligence from Deck with cash-flow analytics, PaySitters is bridging a long-overlooked gap. And they are doing it on top of the legacy infrastructure that once made this impossible.
"We're bringing autopay to the masses, giving billers the risk reduction they want and consumers the flexibility they need."
Matt Stephenson, Co-founder & CEO, PaySitters
For PaySitters, Deck's connectivity layer is the enabler — the interop bridge that finally makes this vision realistic.
The ambitious goal — and the smart approach
PaySitters saw an untapped opportunity in utility and liability data.
By connecting to Deck, PaySitters gains line-by-line visibility into consumers' financial habits: when bills are paid, how consistently, and to whom.
That depth of data enables smarter underwriting based on real behavior, not just credit scores.
Legacy biller portals weren't built for innovation. PaySitters found a way to make them work: a flexible workflow that fetches data and makes payments through any biller interface. Deck made that vision scalable.
The Deck difference
An interop layer they can trust
When PaySitters evaluated partners, reliability and transparency topped the list. Their previous provider struggled to maintain healthy connections or deliver timely support.
Deck changed that from day one.
"The shared Slack channel has been super helpful — real-time feedback instead of just submitting a ticket into a system."
Matt Stephenson, Co-founder & CEO, PaySitters
With Deck, connection uptime is monitored, issues are quickly diagnosed, and insights flow back into PaySitters' systems in hours, not days.
Unique features that fit the model
Beyond product fit, Deck's partnership approach stood out. The teams collaborate closely — iterating on data fields, refining API responses, and proactively tackling edge cases together.
Deck's card-switching and behind-the-login payment capability became a core differentiator. It lets PaySitters maintain uptime and automate payments even for billers with limited connectivity.
"That card switching capability or payment switching capability on a biller site — that becomes incredibly valuable for us. We haven't seen others offer that."
Matt Stephenson, Co-founder & CEO, PaySitters
This capability allows PaySitters to embed its own payment methods at the biller level — creating a true "set it and forget it" experience for end users, while ensuring uptime even in the most constrained environments.
Build without limits
Deck powers PaySitters' core data infrastructure — connecting consumer accounts, fetching bills, and enabling edge use cases to facilitate payments that close the gap between cash inflow and outflow.
- 100% traffic migration: PaySitters is consolidating all integrations through Deck.
- Faster expansion: New billers can be onboarded almost instantly, without writing new code.
But for Matt Stephenson, building PaySitters is about more than automation — it's about transforming bill payment into a smarter, ongoing relationship.
With Deck providing accurate, reliable utility and liability data, PaySitters can reimagine what fintech can do for everyday people. They can turn recurring payments into a new kind of insight — one that doesn't just show what consumers spent, but what they could save.
"There's a whole market missing around the monthly spending of a consumer. Once you have that visibility, you can recommend better deals, negotiate lower rates, and help them switch to smarter options."
Matt Stephenson, Co-founder & CEO, PaySitters
The same data that powers autopay can now power choice: showing users where they overpay, surfacing cheaper alternatives, and automatically improving their health in the background.
"We're excited by that kind of challenge. We've got some ideas that we'll push the Deck team on as we get further — in more of a partnership fashion than we're used to from other providers."
Matt Stephenson, Co-founder & CEO, PaySitters