01 · Product Discovery
value.
01 · Product Discovery
value.
The shopper recognises worth before price is shown. Intent forms in the hand, not on the tag.
01 / 08
paytio · 01 introductionThe future’s
The future’s
negotiable.
02 · the moment
Seven of every ten carts walk away. Not because the buyer didn’t want it — because the price couldn’t bend.
a note from the lab
After a year of deconstructing the relationship between empathy and commerce, we’ve noticed one thing — it’s fake.
We’ve filed a provisional patent for our methodology, rooted in IA — Intentional Access — and we’re working in the lab to take this from solution to scalability.
provisional patent · filed mmxxvi
the abstract
Three circles. One overlap.
The buyer names what it’s worth. The seller sets the floor. Paytio is the quiet lens where all three meet — the geometry of an agreement, drawn before the price.
fig. 01 · the lens of intentional access
01 · the rate
70%
of online carts are abandoned.
source · baymard institute
02 · the money
$300B
money already willing — left at the door.
of $4–6T lost annually
03 · the reframe
Cart abandonment isn’t lost revenue. It’s a failed negotiation.
they said "i want this." the system said "on our terms only."
70%
of online carts are abandoned.
source · baymard institute
$300B
money already willing — left at the door.
of $4–6T lost annually
Cart abandonment isn’t lost revenue. It’s a failed negotiation.
they said "i want this." the system said "on our terms only."
So what would a sale look like if the price could bend?
03 · the math
The seller asks $88. The buyer offers $66. Of course you accept.
The floor — cost of goods plus 10% margin held — sits at $34. Anything above that is profit. $66 isn’t a discount. It’s a sale that would have walked.
01 · the seller's list price
ask
$88
where every cart starts — and where 70% of them stop
02 · cost of goods + 10% margin
floor
$34
the seller still wins above this line
03 · the buyer's offer · accepted
met
$66
$32 above the floor · $22 below the ask · would you say no?
04 · the sequence
Eight moments of the checkout funnel. One agreement. Hover any tile — the fix lives inside.
02 · Add to Cart
intent.
02 · Add to Cart
intent.
Money is already willing. The cart records desire — but says nothing about the price they would actually pay.
02 / 08
03 · View Cart
tension.
03 · View Cart
tension.
List price meets internal floor. Doubt enters here — the same doubt that ends 17% of carts.
03 / 08
addresses · 17% trust concerns
04 · Checkout Initiated
spectrum.
04 · Checkout Initiated
spectrum.
Every shopper sits somewhere on a price curve. Negotiation replaces the wall — no account required to make an offer.
04 / 08
addresses · 24% forced sign-up
05 · Shipping & Fees Reveal
lift.
05 · Shipping & Fees Reveal
lift.
The biggest abandonment trigger. When the total spikes, Paytio opens the floor instead of forcing the price.
05 / 08
addresses · 48% unexpected fees
06 · Payment Selection
appetite.
06 · Payment Selection
appetite.
One tap to counter, one tap to accept. The card stays in their hand — the flow stays out of the way.
06 / 08
addresses · 18% complex flow
07 · Order Review
agreement.
07 · Order Review
agreement.
Both values stacked, neither crushed. Terms can flex — including timing — so a willing buyer doesn't walk over a date.
07 / 08
addresses · 22% slow delivery
08 · Order Confirmation
kept.
08 · Order Confirmation
kept.
A clasp, not a concession. Margin held, trust earned, and the cart that would have walked, completes.
08 / 08
05 · resolution
It didn’t feel like she got away with something. It felt like they agreed.
06 · signal
Get the first signal when Paytio opens.
No newsletter. No noise. One message, when the door opens.