AI Payment Processing

Process Visa, Mastercard, American Express, and Discover payments with intelligent routing that finds the best processor for each transaction. Real-time machine learning analyzes network performance, costs, and approval likelihood to maximize success rates while minimizing processing fees.

Reduce ACH returns and failed transactions with predictive modeling that identifies high-risk payments before processing begins. Our AI validates account information against millions of data points, catching errors that standard verification misses. At 10¢ per transaction, ACH remains your most cost-effective payment method — now with enterprise-grade intelligence.

Accept Apple Pay, Google Pay, Samsung Pay, PayPal, and Venmo with AI-powered fraud detection calibrated for tokenized transactions. Machine learning identifies suspicious digital wallet activity while maintaining the frictionless experience customers expect from mobile payments.

Expand payment acceptance to unbanked customers while managing risk. Our AI monitors E-Cash transaction patterns to identify potential fraud or abuse, protecting your business without limiting legitimate access to customers who prefer cash payments.

RecurPay goes beyond simple subscription billing with machine learning that predicts payment failures before they occur. Our AI analyzes card expiration dates, spending patterns, and account changes to alert you when recurring payments need attention.

Text2Pay combines customer convenience with AI security. Machine learning validates customer identity through behavioral analysis and device fingerprinting, approving legitimate transactions in seconds while flagging suspicious activity for review.

Send smarter payment requests with AI that predicts the optimal time to invoice based on customer payment history. Our system learns when each customer usually pays and suggests sending times that maximize on-time collection rates.

MobilePay's AI adjusts security protocols based on factors including device trust scores, location data, and transaction patterns. High-trust customers experience frictionless checkouts, while suspicious transactions receive additional verification — all happening in milliseconds.

Build intelligent payment flows directly into your applications with our AI-enhanced API. Access machine learning fraud scores, smart routing recommendations, and predictive analytics through simple API calls while maintaining full control over the customer experience.

Push2Card delivers real-time payouts to any U.S. debit card, while AI monitors for suspicious payout patterns. Machine learning identifies potentially fraudulent funding requests, protecting your business from payout abuse without delaying legitimate transfers.

Streamline document collection with machine learning that detects forged signatures and fraudulent authorization attempts. EDoc's AI compares signing behavior, device patterns, and document timing against fraud indicators, reducing unauthorized payment disputes by 43%.

EBPP powered by AI learns customer payment preferences and suggests optimal billing schedules. Predictive models identify which customers respond to email versus SMS reminders, automatically sending communications through the channel most likely to generate payment.

Transform dispute resolution with AI that analyzes chargeback patterns across your industry. Our machine learning models predict which disputes you're likely to win and recommend evidence strategies based on historical success rates. This approach achieves 90% recovery while spending 60% less time on disputes.