Services · Ecommerce development · Banking AI agent subscription sites
Codeeo provides banking AI agent subscription website development in the USA for software companies that sell AI agents to banks, credit unions and lenders in many states at once. We build the pricing website, online sign up and enterprise ordering, recurring and usage billing, multistate sales tax, renewals and the customer portal. A national vendor faces a patchwork of state tax rules, state privacy laws and federal expectations on bank vendors, and the subscription platform is where all of them meet every single billing cycle.
Your agents are your product; our work is the storefront, billing and account layer that sells them. Our team works with US clients remotely, holding discovery, design reviews and testing sessions by video call, and recording scope, decisions and test outcomes in writing so every stakeholder can follow progress.
200+ companies across the US and the UAEFrom a first store to a listed developer
Platform capabilities
The US banking market runs on a dual system: national banks answer to the OCC, state banks to their state regulator together with the FDIC or the Federal Reserve, and credit unions to the NCUA or a state agency. Their 2023 interagency guidance on third party relationships expects banks to assess vendors through planning, due diligence, contracting, monitoring and termination. Any AI agent vendor selling into this market is assessed that way, and the subscription platform is part of what gets assessed.
At the same time, sales tax has differed by state ever since the Wayfair decision let states require collection from remote sellers, and states disagree about whether hosted software is taxable at all. The capabilities below are chosen for vendors selling across that whole map, and we order them in discovery around your current stage.
A tax engine applies each state's treatment of SaaS, since states such as Texas and New York tax hosted software and California will from January 1, 2027 under SB 122, with CDTFA guidance still being finalized. The platform tracks sales by state against economic nexus thresholds, stores exemption certificates and flags when a new registration may be needed, for your tax adviser to confirm.
Tax collected where it is owed and not where it is not.
A small credit union, a mid sized community bank and a large regional institution buy very differently. We design a plan structure with published self serve tiers for the smaller end and a quoted enterprise tier, each with clearly stated agents, channels, usage allowances, support levels and data hosting location.
Every size of institution finds a sensible place to start.
A gated hub that maps your documents to the stages bank vendor management follows: security reports and policies for due diligence, standard contract terms for negotiation, service reports for monitoring and an exit and data return plan for termination. Access is approved and logged per institution.
Bank vendor reviews find what they need in the order they work.
Monthly or annual platform fees, per agent or per seat charges and metered usage from your product, combined on one invoice. We configure allowances, overage tiers, committed spend and true ups, and test them against real contracts so finance trusts the numbers before customers ever see them.
Any pricing model your sales team can sell, billed correctly.
ACH debit and credit under Nacha rules for invoice customers, cards through a PCI DSS compliant processor's hosted fields, and Apple Pay and Google Pay for quick self serve purchases. Payments reconcile to subscriptions automatically, and failed payments enter a dunning sequence you control.
Fewer payment exceptions for your finance team to chase.
The FTC's broad click to cancel rule was vacated in 2025, but the Restore Online Shoppers' Confidence Act still requires clear terms, informed consent and simple cancellation for online negative option sales, and several states add their own renewal laws. Self serve tiers are built to that standard, with consent records stored.
Renewal practices that stand up to federal and state scrutiny.
Many agent vendors sell through core processors, consultancies or banking associations. The platform can track partner referred accounts, bill through a reseller or directly, and calculate partner commissions, so your channel deals do not live in a separate spreadsheet.
Partner revenue tracked as carefully as direct revenue.
Bank administrators manage seats, agents and plans, see prorated charges before confirming changes, download invoices and tax documents, and control who in their institution has access. Plan changes update what your product allows immediately, through entitlements the billing engine controls.
Self service account management with no gap between billing and access.
Public pages and the portal are built to WCAG guidance, given ADA Title III litigation over websites. Privacy notices, cookie consent and request handling cover the growing set of state privacy laws, configured so one platform can respond correctly to a visitor in any state.
One compliant platform instead of a patchwork of fixes.
Our banking AI agent billing integration services in the USA connect billing to your CRM, general ledger and revenue recognition tools, so bookings, deferred revenue and recognized revenue line up with the contracts that created them.
Clean books ready for auditors and investors.
Who this is for
Banking AI agent vendors in the United States range from venture backed startups selling to their first credit unions to established banking software firms adding AI products to an existing catalog. Their customers sit in all fifty states, under different regulators, and with very different procurement habits. The four situations below are where a national subscription platform makes the biggest difference, and each one leads to a different first release that we agree with you during discovery.
Most of your customers have been in one or two states, but new deals are arriving from across the country. Sales tax, privacy notices and contract terms that worked locally now need to work nationally. We put multistate tax, nexus tracking and state aware privacy handling in place before growth makes the clean up expensive, and we document the setup so your finance team can maintain it after we hand over.
Registrations and filings stay with your tax adviser.
You sell long term licenses and now want to offer AI agents as a subscription add on to an existing installed base. The platform has to sit alongside your current contracts, bill the add on cleanly, and let existing customers activate it without a new procurement cycle where their contract allows. We integrate with your current billing and CRM instead of replacing them, so account managers keep one view of each customer. Pricing pages for the add on are written to sit naturally beside your existing product content.
Credit unions often buy through their leagues, shared service organizations or credit union service organizations, and many are small enough to prefer a self serve route. We build published tiers, simple online sign up, ACH payment and a portal sized for a small operations team, alongside partner billing for the organizations that resell or refer. Content speaks to NCUA supervised institutions and their own vendor review steps.
Your next funding round or first financial audit will test whether your recurring revenue figures are reliable. Spreadsheets and manual invoices will not survive that. We rebuild billing on a proper engine, connect it to your ledger and revenue recognition, and reconcile historical contracts so the reported figures trace back to signed agreements, invoices and payments that any reviewer can follow. Metrics such as recurring revenue and churn are defined once and reported the same way everywhere.
How we engage
Most US vendors begin with a fixed scope build of the subscription site and billing platform, priced after discovery once states, plans and integrations are known. A retainer then covers pricing changes, new states, tax and legal updates and conversion work on the pricing pages. Vendors with a large roadmap sometimes add a dedicated team working across the platform and product. Every option runs remotely, with written scope, shared tickets and regular video reviews. Because the code and records sit in your accounts, you can change model as your needs shift.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We commonly use Stripe Billing, Chargebee, Recurly or Zuora for subscriptions, a tax engine such as Avalara or Stripe Tax for multistate sales tax, and React, Next.js or Laravel for the site and portal. Your team's skills and existing finance stack decide the final choice.
01Web
02Commerce
03Data and cloud
04Marketing and tracking
Pricing site, ordering, recurring and usage billing, multistate tax, renewals and the customer portal.
We deliver the public website and plan pages, self serve sign up and enterprise order flows, a billing engine set up for your pricing model, multistate sales tax, renewal and cancellation flows, dunning, a customer portal with entitlements, a vendor documentation hub and integrations with CRM and finance systems. Each piece is scoped in discovery, so the first release fits your stage rather than a generic checklist of features.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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