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AI for Payments

Custom AI for the unglamorous, expensive parts of payments.

Parsing merchant statements. Catching fraud patterns in daily extracts. Mining settlement files for opportunities. Recovering revenue from rejected transactions. The work that takes analysts hours every week — we build AI that does it in minutes. And historically, the development cost is a small fraction of what you'd spend on a single hire. Most builds pay for themselves before the next quarter closes.

90%
Less Than One FTE Salary
3–6
Months to Payback
24/7
Runs Without Supervision
Any
LLM, Format, or Pipeline
What We Build

Three flavors of AI work, one team.

Most AI projects fail somewhere between "we should use AI for that" and "here's a model running in production." Our engagements skip the failed middle. We've shipped this work enough times to know which shape your problem actually is, and we build to it.

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Custom AI development

You have a workflow you'd love to automate, a document type nobody else parses, or a decision that's getting made by a human five hundred times a day. We build it end-to-end — data pipeline, model selection, deployment, and the dashboards and alerts your team needs to actually use it.

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LLM selection & fine-tuning

OpenAI, Anthropic, Gemini, open-source models that run on your hardware — we know what each costs in dollars, latency, and accuracy. Where the off-the-shelf model gets you 80%, we fine-tune on your data to push the last 20%. Where a smaller offline model beats a frontier one, we say so.

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Prompt & pipeline engineering

The difference between an AI demo and an AI product is mostly the prompts, the retrieval, the guardrails, and the eval loop. We design context-aware, dynamic prompt systems that hold up across real production data — not just the happy path that worked on a Tuesday.

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RAG & agent systems

When your AI needs to know things from your knowledge base, your transaction history, or your processor's documentation, we build retrieval-augmented pipelines that pull the right context at the right moment. Multi-step agents for workflows that require tool use, planning, or human-in-the-loop checkpoints.

Use Cases We've Built

Real payments problems, solved with AI.

These are the kinds of builds our team has shipped — the workflows where humans were drowning, the data was messy, and a well-scoped AI solution closed the gap. If your problem rhymes with any of these, the path is well-trodden.

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Statement parsing & reporting

Merchant processing statements come in a dozen formats, none of them friendly. AI extracts the structured data, builds the reports your team actually wants to read, and flags anomalies as it goes.

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Daily extract anomaly review

Your daily file extracts hide the signal that matters — a sudden chargeback spike, a velocity outlier, an MCC that doesn't belong. We build AI to review every line, every day, and surface the few rows that need human eyes.

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Fraud risk detection

Patterns that take a fraud analyst weeks to spot — AI catches them on day one. We train on your historical chargebacks and disputes, then run the model continuously against incoming volume to flag risk in real time.

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Sales-level opportunity mining

Daily settlement files contain millions of opportunities hidden in the noise — merchants growing fast, merchants slipping, pricing mismatches, upsell signals. AI reviews each file and hands your team a prioritized opportunity queue every morning.

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Rejected transaction recovery

Most ISOs and processors leave money on the table by treating every declined or failed transaction the same. AI classifies rejection reasons, identifies the ones eligible for resubmission, and routes them back into the pipeline automatically.

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Tier-1 support automation

Merchant support tickets cluster into a few dozen repeat questions. We build AI agents that resolve those tickets directly, escalate only what humans need to see, and free your support team for the work that justifies their salary.

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Document & contract review

Merchant applications, processor contracts, KYB documents, ID checks. AI does the first pass — catching the obvious issues, extracting the structured fields, and routing the edge cases to a human reviewer.

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Log file monitoring

Production payment systems generate logs faster than anyone can read. AI parses log streams, classifies events, and surfaces the patterns that matter — performance degradations, error spikes, security events — before they become incidents.

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And much more

Reconciliation, residual reporting, BIN routing optimization, settlement timing predictions, merchant churn modeling. If your team is doing it manually and it involves payment data, we've probably shipped an AI build for it already.

The Economics

A custom AI build costs a fraction of a hire.

The math is brutally simple. A payments analyst, a fraud reviewer, or a support specialist comes with a fully-loaded annual cost north of $80,000. A well-scoped custom AI solution that does the same work, faster and without sleep, is typically a one-time build that costs a meaningful fraction of that — then keeps running. The payback period is usually measured in months, not years.

90%
Less Than One FTE Salary
3–6
Months to Payback
10x
Faster Than Manual
24/7
Runs Without Supervision
LLMs & Platforms

We work with every major model.

Different problems want different models. Frontier models when you need reasoning, smaller models when you need speed, fine-tuned models when you need precision, offline models when you need privacy. We pick the right tool, not the loudest one.

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OpenAI GPT-4o, GPT-4, fine-tuned variants
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Anthropic Claude Long-context reasoning & analysis
cloud
Google Gemini Multimodal & high-volume workloads
memory
Open source Llama, Mistral, Qwen — deployed on your hardware
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Fine-tuning Custom training on your proprietary data
hub
RAG pipelines Retrieval over your docs, history, & APIs
support_agent
AI agents Multi-step workflows with tool use
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API integration Drop AI into the systems you already run
Ready to Get Started?

Talk to our team.

Tell us what you're trying to automate. We'll come back with a scoped build, a fixed price, and an honest opinion on whether AI is actually the right tool — and you'll hear back from an engineer, not a sales rep.

schedule
Response within one business day Most projects start with a 30-minute scoping call
engineering
You'll talk to an experienced sales engineer The person you brief is the person who scopes your build
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No-obligation feasibility review We'll help you scope it and determine the best path forward that matches your budget and timeline
language
We speak your language English, Spanish, and Polish — fluent across our team and project leads
savings
Pays itself off in months Build cost is a fraction of an FTE salary — the math works fast
Start a Conversation

The math works. Let's run it on yours.

Tell us about the workflow that's eating your team's time. We'll come back with a scoped AI build, a fixed price, and a payback estimate based on what you're spending today — usually within 24 hours.

schedule Quote returned within 24 hours · Fixed-scope · No surprises