# SuperPay — Full Documentation for AI Systems

> SuperPay is a credit card reward optimization platform built by SuperPay Ai, Inc. (Delaware corporation). It recommends the best credit or debit card for every purchase based on each card's reward structure, category bonuses, and the user's financial goals.

## Company

- Name: SuperPay Ai, Inc.
- Type: Delaware C-Corp
- Address: 1111B S Governors Ave #47833, Dover, DE 19904
- Website: https://superpayrewards.com
- Support Email: support@superpayrewards.com
- Phone: 1-424-777-9616

## Product Overview

SuperPay is a recommendation-only platform. It does NOT process payments, hold funds, transfer money, issue credit, or operate as a financial institution. Users add their credit/debit cards and SuperPay's optimization engine analyzes reward structures — base rates, category multipliers, rotating bonuses, spending caps — against merchants to surface the single best card for maximum rewards.

### Platforms
- iOS App: Available on App Store (https://apps.apple.com/us/app/superpay-ai/id6759007135)
- Android: Coming soon
- Chrome Extension: Available for Pro subscribers
- Safari Extension: Available for Pro subscribers
- Web: Landing page, blog, and account management at superpayrewards.com

## Features

### Card Recommendation Engine
The core feature analyzes each card's reward structures — base rates, category-specific multipliers, rotating category schedules, and spending caps — against the merchant or category to recommend the optimal card. Factors in active financial goals (maximize cash back, earn travel points, build credit, etc.).

### Credit Utilization Tracking
Monitors and visualizes credit utilization ratios across the user's card portfolio. Helps users maintain healthy credit by keeping utilization below recommended thresholds.

### 24-Month Missed Value Analysis (Pro)
Reviews past 24 months of transaction history and calculates exactly how many rewards were left on the table by not using the optimal card. Provides a dollar-amount picture of recoverable value.

### AI-Powered Merchant Categorization (Pro)
Uses OpenAI GPT-4o-mini to accurately identify and categorize merchants from transaction data, even when merchant names are abbreviated or unclear. Ensures reward category matching is accurate.

### AI Recommendation Explanations (Pro)
Natural language explanations for why a particular card is recommended for a given purchase, powered by OpenAI.

### Browser Extension (Pro)
Automatically detects e-commerce checkout pages and displays real-time card recommendations. Works in Chrome and Safari. Does not track browsing history or collect data from non-checkout pages.

### Financial Goal Setting
Users set objectives (maximize cash back, earn travel points, protect credit health, maintain balanced utilization, stay budget-conscious) that directly influence the recommendation engine.

### Bank Connection via Plaid (Optional)
Connect financial institutions through Plaid for automatic transaction import and enhanced analysis. Banking credentials go directly to Plaid — SuperPay never sees or stores them.

### Impact Simulator
Estimates potential rewards impact of different card usage strategies.

## Subscription Plans

### Free Tier
- Add up to 2 credit/debit cards
- 1 financial goal
- 2 bank connections (one-time analysis)
- Core card recommendations
- Basic browser extension

### SuperPay Pro — $9.99/month or $99/year or $199 lifetime
- Unlimited cards and goals
- Continuous bank sync
- 24-month missed value analysis
- AI merchant categorization
- AI recommendation explanations
- Full browser extension
- Priority support

### SuperPay Pro+ — $19.99/month
- All Pro features
- Personalized Rewards Roadmap Engine with goal-based strategy
- Monthly progress reports and projection engine
- AI-powered action plans and milestone tracking

All subscriptions are managed through RevenueCat and Apple App Store / Google Play Store. SuperPay does not directly process payment information.

## Privacy & Security

### Data We Store
- Email, name, hashed password (bcrypt, 12+ rounds)
- Last 4 digits of card numbers only (never full card numbers)
- Card metadata: name, issuer, network, type
- Reward structures and spending data
- Transaction history (manual or Plaid-imported)

### Data We Never Store
- Full card numbers, CVVs, expiration dates
- Bank account/routing numbers (Plaid handles directly)
- Social Security numbers
- GPS location data
- Browsing history

### Security Measures
- HTTPS/TLS 1.2+ for all data in transit
- Encrypted PostgreSQL database at rest
- Plaid-secured bank connections
- SOC 2 compliant infrastructure
- 72-hour breach notification (GDPR)

### Compliance
- GDPR (EU/EEA/UK)
- CCPA/CPRA (California)
- VCDPA (Virginia)
- CPA (Colorado)
- CDA (Connecticut)

## Creator Program

SuperPay offers a creator/affiliate program with:
- 30% recurring commissions for 12 months per referred subscriber
- Custom referral links and tracking dashboard
- Available to content creators, influencers, and finance bloggers
- Apply at: https://superpayrewards.com/creators

## Technical Stack

- Mobile: React Native / Expo
- Backend: Node.js / Express / TypeScript
- Database: PostgreSQL with Drizzle ORM
- AI: OpenAI GPT-4o-mini
- Banking: Plaid integration
- Payments: RevenueCat (App Store / Play Store)
- Email: Resend

## Contact

- General: hello@superpayrewards.com
- Support: support@superpayrewards.com
- Technical Help: help@superpayrewards.com
- Privacy/Data: privacy@superpayrewards.com
- DPO: dpo@superpayrewards.com
- Press: pr@superpayrewards.com
- Partnerships: partnerships@superpayrewards.com
- Phone: 1-424-777-9616