AI Payments

Spec sheet

Product

AI Payments describes itself as a global acquiring and payment orchestration platform for merchants.Read 4 Oct 2026 · aipayments.com

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.Read 4 Oct 2026 · aipayments.com

Security

The privacy policy says the company uses encryption in transit and at rest, access controls, and regular security assessments.Read 4 Oct 2026 · aipayments.com

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.Read 4 Oct 2026 · aipayments.com

Support

The About page lists 24/7 agentic support.Read 4 Oct 2026 · aipayments.com

AI routing

Its machine learning models evaluate transactions in real time and select a processor based on predicted authorization and cost.Read 4 Oct 2026 · aipayments.com

Bank sponsorship

The site says AI Payments is a licensee of Pay.com, which has US BIN sponsorship with FDIC-insured Cross River Bank.Read 4 Oct 2026 · aipayments.com

Currency conversion

Dynamic Currency Conversion offers international cardholders real-time conversion at the point of sale, according to the product homepage.Read 4 Oct 2026 · aipayments.com

Debit routing

Least cost debit routing supports PIN and PINless transactions and logs eligible network options for Durbin Amendment documentation.Read 4 Oct 2026 · aipayments.com

Decline recovery

Decline recapture retries failed transactions using intelligent logic, according to the product homepage.Read 4 Oct 2026 · aipayments.com

Intended customers

The site presents the platform for enterprise, high-volume e-commerce, B2B, marketplace, and global merchants.Read 4 Oct 2026 · aipayments.com

Interchange optimization

The platform enriches transaction data for Level II and Level III processing to help qualifying transactions reach lower interchange tiers.Read 4 Oct 2026 · aipayments.com

Orchestration

A single API connects payment processors, gateways, and acquirers, with routing, retries, failover, tokenization, and consolidated reporting.Read 4 Oct 2026 · aipayments.com

Routing signals

The routing engine analyzes more than 120 transaction signals, including card BIN, merchant category, currency, geography, issuer behavior, and processor health.Read 4 Oct 2026 · aipayments.com

Plans and prices

Every AI Payments plan and price →

Where Specifiction places it

• Payment Orchestration Platforms#13 of 267.4