What if your invoices could tell you exactly where you’re overpaying? We talk agentic AI that audits spend, finds hard savings, and even unlocks wholesale pricing for SMBs.

If you’ve ever looked at an invoice and wondered, “Am I paying a fair price, or am I just too busy to fight it?” you’ll feel this conversation in your bones. Christopher Dryden of Global Legal Law Firm sits down with Bill Kurtzner with Cost Savings (https://costsavings.com/), a payments veteran turned cost containment expert, to unpack how businesses quietly overpay across everyday categories like shipping, telecom, waste removal, utilities, bank fees, and even merchant processing fees and how a new wave of agentic AI is changing the math.

Bill shares the path from door knocking as an ISO to building Util Auditors, then zooms in on the breakthrough: a granted patent for automated auditing and recommendation systems that turns manual invoice review into a scalable, self service workflow. We talk about the difference between “soft savings” (time saved) and hard cost savings you can actually measure on the bottom line, plus why that matters when you’re selling to SMB owners who need results, not vibes.

We talk with Bill about turning expense and invoice data into measurable hard cost savings using a patent backed, agentic AI platform. We dig into how GPO pricing, payments partnerships, and SOC 2 security controls can make enterprise grade savings accessible to small businesses.

• Bill’s background in payments and building credibility the hard way
• Util Auditors and the shift from enterprise cost containment to scalable software
• Agentic AI and a granted patent for automated auditing and recommendations
• Why hard cost savings beat soft savings claims
• GPO economics and why SMBs usually get left out
• Integrations with QuickBooks, ERPs, and major vendor accounts for apples to apples comparisons
• Self service onboarding, dashboards, and optional invoice uploads for analysis
• Data privacy concerns, SOC 2 compliance, encryption, and API based access
• Distribution through payment processors, banks, and associations
• Embedded finance direction including lending, checking, and payroll
• Employee member deals that bring corporate discounts to SMB teams

We also dig into the practical model: connecting tools like QuickBooks and other ERP and accounting platforms, pulling invoices through APIs, and showing apples to apples comparisons that can unlock steep discounts through a tech enabled group purchasing organization. Since data access raises real concerns, we cover privacy and security head on, including SOC 2 compliance and encryption. Finally, we explore distribution through payment processors and other partners, plus the bigger ecosystem direction: embedded lending, checking, payroll, and employee member deals that bring corporate level discounts to smaller teams.

Payments companies are hunting real value adds for merchants. This episode breaks down a $50/month savings platform, GPO pricing, and why “hard savings” beats “soft savings.”

Subscribe for more conversations at the intersection of payments, fintech, and real world business operations, then share this episode and leave a review so more operators can find it. What’s the one recurring bill you’d love to cut down first?

QuickBooks integration sounds great until you ask: where does my data go? Hear how SOC 2 compliance, encryption, and API based access shape trust in cost savings platforms.

**Matters discussed are all opinions and do not constitute legal advice. All events or likeness to real people and events is a coincidence.**

PEP Links:
https://www.globallegallawfirm.com/podcasts/

A payments podcast of Global Legal Law Firm