SurgePays, Inc., a fintech and mobile virtual network operator (MVNO) delivering prepaid wireless and financial products to approximately 138 million subprime consumers in the United States, announced it has engaged BrandRap, a Irvine, California-based artificial intelligence and operations consultancy, to build a real-time AI decisioning engine to drive higher revenue per subscriber on ProgramBenefits.com.
The Company expects Phase 1 production delivery of the build-out for July 2026 with key technology features:
- Multi-product monetization per session — eligibility, conversion probability, and ranked next-best-action returned across multiple verticals in a single consumer session.
- Reduced customer acquisition cost — incremental revenue from existing ProgramBenefits.com traffic, not additional acquisition spend.
- Fed by ProgramBenefits.com intake — the engine scores verified subprime consumer intent data captured at the top of the ProgramBenefits.com funnel, where SurgePays already owns the customer relationship.
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- Ranked next-best-action — the engine prioritizes the highest-probability, highest-margin offer per session rather than a static funnel.
- Verified intent data as the input — scoring is built on verified subprime consumer intent data already flowing through the SurgePays stack.
The underlying consumer intake platform operated by Surge Logics, Inc., a SurgePays subsidiary, generated more than $50 million in legacy revenue under its prior model. SurgePays relaunched under the ProgramBenefits.com brand in November 2025, expanded distribution to three demand aggregators in December 2025, and advanced the architecture to real-time AI decisioning on April 21, 2026.
“ProgramBenefits.com is generating over 1,000 new customer adds per day and remains well below operating capacity,” said Jan Salinas, Vice President of Operations of SurgePays. “Our model of using wireless service to bring consumers onto the platform and then introduce them to adjacent products is already working. The decisioning engine is designed to automate that process by routing the consumer to multiple eligible products from one session — wireless activation, prepaid card, benefits enrollment, and financial services. That is how revenue per subscriber moves on traffic we already own, while reducing and ultimately eliminating the cost to acquire the customer.”
The engine is designed to score eligibility and predict conversion probability across multiple verticals, then returns a ranked next-best-action inside a single consumer session. The first production phase is targeted at existing ProgramBenefits.com intake, with the objective of lifting revenue per subscriber from traffic the Company already owns rather than acquiring new users.
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