Payments & Transactions

Payments & Transactions

Overview

Optimize payment processing, routing, and authorization decisions with AI that improves success rates, reduces costs, and enhances customer experience.

Key Challenges We Address

• High payment failure rates due to suboptimal routing
• False declines frustrating customers and losing revenue
• Manual exception handling and reconciliation
• Fraud vs. friction balance in authorization
• Cross‑border payment complexity
• Settlement and clearing inefficiencies

Our Approach

Strategic Advisory

• Payments AI strategy and use case prioritization
• Authorization optimization analysis
• Payment routing strategy
• Vendor and processor evaluation
• Infrastructure modernization roadmap

Selective Implementation

• Intelligent payment routing systems
• Authorization optimization engines
• Payment failure prediction and retry logic
• Transaction categorization and enrichment
• Reconciliation automation
• Cross‑border payment optimization

Capabilities

• Real‑time routing decisions across multiple processors
• Dynamic authorization strategies based on risk and context
• Network analysis for optimal payment paths
• Predictive models for payment success probability
• Automated exception handling
• Transaction‑level profitability optimization

Typical Outcomes

• 20‑35% reduction in payment failures
• 15‑25% decrease in false authorization declines
• 10‑20% savings on payment processing costs
• 50‑70% reduction in manual reconciliation effort
• 30‑45% improvement in cross‑border payment success

Case Example

E‑commerce platform: Implemented intelligent payment routing reducing failure rates by 28% and processing costs by 18%. Authorization optimization decreased false declines by 21%, recovering $4M in annual revenue. System processes 2M+ daily transactions across 15 payment processors.