AI for Payments

Custom AI for the unglamorous, expensive parts of payments.

Parsing merchant statements. Catching fraud patterns. Mining settlement files. Recovering rejected transactions. We build AI that turns hours of analyst work into minutes — and usually pays for itself in months.

LIVE WORKFLOW · SETTLEMENT ANALYSISDaily extract → prioritized action queue
RUNNING 24/7
processor_settlement_2026-08-30.csv48,219 rows · 17 merchant fields
INGESTED
parse · normalize · retrieve context
PAYING AI PIPELINEMODEL ROUTER · ACTIVE
RAGfraud scoringstatement parserbusiness ruleshuman checkpoint

Identify pricing anomalies → classify rejection reason → compare merchant trend → rank opportunity → route exception to analyst.

RISK12 anomalies3 need review
REVENUE$18.4k opportunityprioritized by value
RECOVERY436 retrieseligible transactions
7 human actions instead of 48,219 rowscompleted 07:14 AM
90% Lessthan one FTE salary
3–6 Monthstypical payback
24/7runs without supervision
Any ModelLLM, format or pipeline
01 · What we build

Three flavors of AI work. One team that ships it.

The work starts with the operational problem, not the model. We build the data pipeline, choose the right model, wire the workflow into production and give your team the dashboards, alerts and guardrails it needs.

01

Custom AI Development

Workflow automation, document parsing, decision systems and production deployment built end-to-end.

02

LLM Selection & Fine-Tuning

OpenAI, Anthropic, Gemini or open-source — selected for cost, latency, accuracy and privacy, then tuned where it matters.

03

Prompt & Pipeline Engineering

Dynamic prompts, retrieval, guardrails, evaluation loops and observability that hold up outside the demo.

04

RAG & Agent Systems

Retrieval over your knowledge, transaction history and processor docs, plus multi-step agents with tool use and human checkpoints.

02 · Real payment use cases

AI where the data is messy and the manual work never ends.

These are not generic chatbot demos. They're payment workflows where an analyst is reading, classifying, comparing or routing thousands of records by hand.

STATEMENTSStatement parsing & reporting

Extract structured fields from inconsistent merchant statements, build readable reports and flag anomalies automatically.

RISKDaily extract anomaly review

Find chargeback spikes, velocity outliers, strange MCC activity and the few rows that actually need human attention.

FRAUDFraud risk detection

Train on historical disputes and chargebacks, then score incoming volume continuously for patterns a human may not see for weeks.

GROWTHSales opportunity mining

Surface fast-growing merchants, pricing mismatches, churn signals and upsell opportunities from settlement files every morning.

RECOVERYRejected transaction recovery

Classify failed transactions, identify which ones can be retried and route eligible volume back into the pipeline.

SUPPORTTier-1 support automation

Resolve repetitive merchant support questions automatically and escalate only the exceptions that require a person.

DOCUMENTSDocument & contract review

Merchant applications, processor contracts, KYB and ID documents get a structured first pass before human review.

OBSERVABILITYLog file monitoring

Parse production payment logs, classify events and surface performance, security and error patterns before they become incidents.

03 · The economics

A custom AI build costs a fraction of a hire.

A payments analyst, fraud reviewer or support specialist can cost north of $80,000 annually once fully loaded. A well-scoped AI workflow is usually a one-time build that keeps running — often paying itself back before the next quarter closes.

Build cost≈ 10% of FTE
Typical payback3–6 months
Manual speed improvementup to 10×
Operating window24/7
04 · Models & platforms

We pick the right model, not the loudest one.

Frontier models for reasoning, smaller models for speed, fine-tuned models for precision and offline models when privacy matters. The architecture follows the workload.

OpenAI

GPT models and fine-tuned variants.

Anthropic Claude

Long-context reasoning and analysis.

Google Gemini

Multimodal and high-volume workloads.

Open Source

Llama, Mistral, Qwen and private deployments.

Fine-Tuning

Custom training on proprietary data.

RAG Pipelines

Retrieval across docs, history and APIs.

AI Agents

Multi-step workflows with tools and checkpoints.

API Integration

Drop AI into the systems you already run.

Self-serve option

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Ready to get started?

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

Tell us about the workflow eating your team's time. We'll come back with a scoped build, a fixed price, and an honest opinion on whether AI is actually the right tool.

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