AI Payments
AI Payments is an API-based global acquiring and payment orchestration platform for enterprise, high-volume e-commerce, B2B, marketplace, and global merchants.
What AI Payments is
AI Payments is an API-based global acquiring and payment orchestration platform for enterprise, high-volume e-commerce, B2B, marketplace, and global merchants. Its machine learning models evaluate transactions in real time and select a processor using predicted authorization and cost. The routing engine analyzes more than 120 signals, including card BIN, merchant category, currency, geography, issuer behavior, and processor health. One API connects processors, gateways, and acquirers for routing, retries, failover, tokenization, and consolidated reporting. Additional capabilities include decline recapture, recurring payments, dynamic currency conversion, and enrichment for qualifying Level II and Level III transactions. Least cost debit routing supports PIN and PINless transactions and records eligible network options for Durbin Amendment documentation. The company says routing card data through AI Payments can reduce PCI compliance scope, but does not state PCI certification. Security measures include encryption in transit and at rest, access controls, and regular assessments. Pricing is on request, with 24/7 agentic support listed.
Good
- Evaluates transactions using more than 120 signals
- Connects processors, gateways, and acquirers through one API
- Supports retries, failover, tokenization, and reporting
- Includes debit routing and currency conversion
- Lists recurring payments and decline recapture
Watch out
- Pricing is available only on request
- Requires API integration with payment providers
- Advanced routing depends on transaction data
Who it suits
It is presented for enterprise, high-volume e-commerce, B2B, marketplace, and global merchants. It suits organizations seeking processor orchestration and transaction routing through an API.
Verdict
AI Payments centralizes payment routing and orchestration while adding retries, tokenization, reporting, and conversion tools. Buyers should request pricing and distinguish its PCI scope statement from certification.
Plans and prices
From AI Payments's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Custom enterprise plan | Priced on request | No public price listed; schedule a demo or request a savings quote |
The facts
Each one read from AI Payments's own pages, with the date it was checked.
What it does
- AI routing
- Its machine learning models evaluate transactions in real time and select a processor based on predicted authorization and cost.checked 4 Oct 2026
- Bank sponsorship
- The site says AI Payments is a licensee of Pay.com, which has US BIN sponsorship with FDIC-insured Cross River Bank.checked 4 Oct 2026
- Compliance
- The orchestration page says routing card data through AI Payments can reduce a merchant’s PCI compliance scope; it does not state that the product is PCI certified.checked 4 Oct 2026
- Currency conversion
- Dynamic Currency Conversion offers international cardholders real-time conversion at the point of sale, according to the product homepage.checked 4 Oct 2026
- Debit routing
- Least cost debit routing supports PIN and PINless transactions and logs eligible network options for Durbin Amendment documentation.checked 4 Oct 2026
- Decline recovery
- Decline recapture retries failed transactions using intelligent logic, according to the product homepage.checked 4 Oct 2026
- Integrations
- The site describes connections to multiple processors, gateways, and acquirers through a single API but does not name specific providers on the opened orchestration page.checked 4 Oct 2026
- Intended customers
- The site presents the platform for enterprise, high-volume e-commerce, B2B, marketplace, and global merchants.checked 4 Oct 2026
- Interchange optimization
- The platform enriches transaction data for Level II and Level III processing to help qualifying transactions reach lower interchange tiers.checked 4 Oct 2026
- Orchestration
- A single API connects payment processors, gateways, and acquirers, with routing, retries, failover, tokenization, and consolidated reporting.checked 4 Oct 2026
- Product
- AI Payments describes itself as a global acquiring and payment orchestration platform for merchants.checked 4 Oct 2026
- Routing signals
- The routing engine analyzes more than 120 transaction signals, including card BIN, merchant category, currency, geography, issuer behavior, and processor health.checked 4 Oct 2026
- Security
- The privacy policy says the company uses encryption in transit and at rest, access controls, and regular security assessments.checked 4 Oct 2026
- Support
- The About page lists 24/7 agentic support.checked 4 Oct 2026
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