Technology
The AI Infrastructure Built for the Complexity of Payments
Pay Assist isn't a generic chatbot with a payments skin on it. It is a purpose-built payment intelligence platform that connects directly to live transaction, settlement, and remittance data to resolve queries the moment they are raised.
Intelligent Voice Resolution. Trained on Payments.
Pay Assist deploys AI voice agents that understand the language of payments. Cardholders and merchants speak naturally. The agent authenticates the caller, queries live data, and delivers an accurate resolution in real time.
No scripts. No hold music. No manual lookups.
Your Payments Data. Queried in Real Time.
Pay Assist connects directly to your existing payments infrastructure. No data warehouse. No batch exports. No manual feeds. The platform ingests live data through the channels your infrastructure already uses.
| Data Type | Delivery Method |
|---|---|
| Transaction data | Webhook / API |
| Settlement instruction files | SFTP / Batch ingestion |
| Remittance data | Webhook / API |
| Chargeback and dispute notifications | Webhook |
| Refund and reversal events | Webhook / API |
| Processing fee and billing statements | PDF ingestion / API |
| CRM and merchant records | API / Salesforce integration |
Reconciliation intelligence: Pay Assist automatically matches transaction records against settlement instruction files, flags discrepancies in real time, and surfaces the reason for any mismatch. The most common merchant query — why does my settlement not match my transaction volume — is resolved before it becomes a support ticket. Where a discrepancy cannot be auto-resolved, Pay Assist triggers a proactive outreach to the merchant — by voice or message — before they've had a chance to raise a query. The PSP looks like a partner, not a processor.
Voice, Messaging, and Web. One Intelligent Layer.
Cardholders and merchants do not always call. Pay Assist handles payment queries across every channel your customers use, with the same live data powering every interaction.
Every channel feeds into a single intelligent inbox. Queries are triaged, routed, and resolved automatically. Human agents see the full interaction history when escalation is required.
AI Handles the Volume. Humans Handle the Exceptions.
Pay Assist is designed to resolve the 60 to 70% of payment queries that are data-driven and repeatable. For the remainder, intelligent escalation ensures the right query reaches the right person with full context already captured.
Escalation triggers are fully configurable:
When a call escalates, the receiving agent inherits the full interaction record. No repeat verification. No lost context. No frustrated callers.
Built to the Standards the Payments Industry Demands.
Pay Assist is architected for the regulatory environment of financial services from the ground up. Card data is never captured, stored, or transmitted through the voice layer. All payment interactions are handled via secure payment link generation, keeping every interaction outside the scope of direct card data capture.
Deployed in Days. Not Quarters.
Pay Assist is designed to sit alongside your existing infrastructure, not replace it. Native API and webhook connectivity means there is no rip and replace, no lengthy procurement cycle, and no requirement to retrain your operations teams on a new system.
Deployment timeline: Most integrations are live within days. Enterprise configurations with custom data mappings and white-label requirements are typically deployed within two to four weeks.
