Online Estimate

AI-Powered Payment Agent for Fintech Platforms

Plavno builds intelligent AI agents for fintech that automate payments, KYC/AML checks, and customer support across digital banking software and payment rails. Our fintech software development services combine predictive analytics, voice/chat automation, and secure orchestration to transform how financial products process, verify, and settle transactions

Let’s Build Your Solution
$3.5T

Global Digital Payments by 2030

Growth fueled by AI in fintech, financial software development, and real-time payment rails

80%

Requests Resolved Automatically

Teams using an AI virtual payment assistant reduce manual ops and support tickets

45%

Cost Reduction

Financial software development services with AI cut repetitive workflows and chargeback handling

99%

Transaction Accuracy

AI agent for fintech platforms validates data and routes payments with sub-second precision

Plug-and-play Solutions

Revolutionize payments, onboarding, and customer interactions with intelligent automation

Our custom fintech software development delivers proactive support and real-time insights through a unified payment automation layer

  • Real-time AI-Powered Payment Agent for Fintech Platforms automating inbound requests and payment actions

  • Cloud-native AI virtual payment assistant for multilingual voice/chat updates and dispute handling

  • Predictive intelligence via financial software development services for risk scoring and routing

  • Seamless integration with digital banking software, core banking, ERPs, CRMs, PSPs, and gateways

Solutions
Challenges
Use Cases
Revolutionize payments, onboarding, and customer interactions with <span>intelligent automation</span>
01

Problem

  • Manual payment operations cause delays, errors, and high support load

  • No unified payment automation layer across banking software development stacks

  • Fragmented visibility between issuer, acquirer, PSP, and back office

  • Limited AI in fintech to detect fraud/chargebacks before losses occur

Problem
02

Challenge

  • Build: adaptive AI agent for fintech platform to handle pay-ins, pay-outs, refunds, and disputes

  • Enable predictive analytics for: fraud detection, risk scoring, KYC/AML, and chargeback prevention

  • Integrate with: digital banking software, payment processors, core ledgers, CRMs, ERPs

  • Ensure scalable cloud architecture for: global settlements, multi-region data residency, and compliance

Challenge

Transforming Сommunication

Solution

The AI-Powered Payment Agent for Fintech Platforms automates payment initiation, verification, and support—combining human-like conversation with predictive intelligence and seamless system integration

Product Highlights

    • Real-time payment workflow: Intent → Verify → Risk Score → Execute → Notify

    • Predictive analytics for fraud/chargeback prevention and limits management

    • Cross-platform compatibility with PSPs, gateways, cores, CRMs, ERPs, ticketing

    • Smart escalation to payment ops when exceptions occur

    • Cloud-native financial software development baseline (ISO · GDPR · SOC 2 · PCI-DSS ready)

    • Continuous learning loop from dispute outcomes and user behavior

User Flows

    • Receive: Capture user intent (voice/chat/API) and identify account, card, or wallet context

    • Process: Validate KYC/AML and run rules via custom fintech software development policies

    • Respond: Approve/deny/route transactions; send real-time confirmations

    • Learn: Improve risk scoring and routing from feedback, models, and ops labels

Experience & Scale

    • Sub-second decisions on high-volume transactions

    • Multilingual support via AI virtual payment assistant

    • SDKs & REST APIs for banks, PSPs, lenders, and wallets

    • 10K+ concurrent requests supported globally

    • Enterprise compliance for financial software development services

Architecture Overview

Deep Dive: Project Architecture

    • Data Layer: Collects payment intents, KYC/AML data, card/wallet identifiers, and settlement logs

    • Intelligence Layer: Machine learning models for risk, fraud, limits, and chargeback prevention

    • Analytics Layer: Dashboards for approval rates, declines, disputes, fee leakage, SLA tracking

    • Integration Layer: REST/gRPC/Webhooks to processors, core ledgers, digital banking software, CRMs

    • Conversation Layer: NLP-driven assistant (voice/chat) with sentiment and intent mapping

Deep Dive: Project Architecture

Challenges

Hard Problems We Solved

Unified Payment Ops

Unified Payment Ops

Connected gateways, PSPs, core banking, and ticketing into one automation surface

Predictive Routing

Predictive Routing

Used AI in fintech to pre-score risk and route through the optimal processor for higher approval rates

Compliance & Privacy

Compliance & Privacy

Achieved SOC 2, ISO, GDPR alignment; PCI-DSS ready patterns for card and PAN tokenization

Global Scale

Global Scale

Multi-region architecture handling 10K+ simultaneous payment actions and support dialogs

Value

Quality & Fidelity 

Driving measurable ROI with the AI-Powered Payment Agent for Fintech Platforms

Lift in Approval Rates

Lift in Approval Rates

Dynamic routing and predictive checks boost successful payments.

AI agent for fintech platform
Risk Scoring
Smart Routing
MVP
MVP
Global Scalability

Global Scalability

Cloud-native orchestration across processors, regions, and brands.

Cloud-based AI
Elastic Scaling
Multi-region
MVP
MVP
Operational Efficiency

Operational Efficiency

Fewer manual interventions; faster refunds and dispute processing.

Workflow Automation
AI Insight Engine
Predictive Modeling
MVP
MVP
Compliance & Security

Compliance & Security

Financial-grade controls across data, access, and workflows.

PCI-DSS Ready
ISO/SOC 2
GDPR
MVP
MVP

Benchmarks

Scale & Reliability

Proven performance for global fintech and digital banking software

Scalability

Scalability

5K+ concurrent AI-assisted payment actions with 99.9% uptime

Edge AI
Load Balancing
Cloud Scaling
Prediction Accuracy

Prediction Accuracy

98% accurate intent/fraud classification in live traffic

NLP Models
Voice-to-Data
ML Models
Response Speed

Response Speed

Sub-400 ms end-to-end decisioning

Latency Optimization
Edge Computing
Resilience

Resilience

Self-healing architecture for global reliability

Auto-Recover
Multi-Zone
Failover Ready
≤ 400 ms

latency

+10M

sessions monthly  


99.95%

reliability

Data Protection

Security & Compliance

Enterprise-grade security integrated into every layer of financial software development

End-to-end encryption

End-to-end encryption

for data in transit and at rest (TLS 1.2+, AES-256)

JWT and role-based access

JWT and role-based access

with fine-grained permissions and audit trails

SOC 2, ISO 27001, GDPR

SOC 2, ISO 27001, GDPR

PCI-DSS ready patterns and tokenization

Innovative Experience

Industries & Use Cases

AI-powered automation built for banks, PSPs, lenders, and wallets

Payment Service Providers

Payment Service Providers

Real-time approvals, retries, and dispute automation.

Very high adoption rate
Digital Banking & Neobanks

Digital Banking & Neobanks

Balance actions, transfers, refunds via conversational AI

High adoption rate
Lending & BNPL

Lending & BNPL

Instant risk checks, promise-to-pay flows, and collections support

High adoption rate
Crypto/Wallet Platforms

Crypto/Wallet Platforms

On-ramp/off-ramp verifications and fraud prevention.

Very high adoption rate
Finance Ops & Back Office

Finance Ops & Back Office

Unified dashboards for approvals, declines, fees, and SLAs.

High adoption rate

Delivery Crew

Project Team

High-performing developers for growing companies

Renata Sarvary

Renata Sarvary

Sales Manager

Ready to Transform Payments with AI?

Partner with Plavno to deploy the AI-Powered Payment Agent for Fintech Platforms—automating operations, boosting approvals, and scaling globally.

Talk to an Expert

Competitive Ability

Key Performance Flow

Demonstrating how Plavno’s AI agent for fintech platform delivers scale, accuracy, and automation

From user intent to settlement—everything happens in one intelligent, auditable flow

01

Capture & Recognize

AI assistant understands payment intent and verifies user/account context.

02

Process & Analyze

Run KYC/AML, risk, limits, velocity checks; select optimal route.

03

Predict & Act

Approve, decline, or route transaction; trigger retries or 3-DS where needed.

04

Automate & Report

Log outcomes, update ledgers and CRMs, create audit trails and dashboards in real time.

AI Intelligence & Quality Stack

AI Intelligence & Quality Stack

    • Deep learning models for fraud/risk/intent classification

    • Adaptive NLP for natural, human-like voice/chat interaction

    • Predictive intelligence improving approval rates and LTV

    • Continuous retraining on disputes and outcomes

Delivery & Automation

Delivery & Automation

    • APIs/SDKs for processors, ledgers, CRMs, ERPs, ticketing

    • Smart scheduling for payouts, retries, and fee optimization

    • Multi-region deployment for data residency and latency

    • Cloud orchestration ensuring high reliability

Throughput & Scale

Throughput & Scale

    • 10K+ concurrent payment/assistant sessions in real time

    • Sub-400 ms decision time for common flows

    • Elastic cloud scaling across regions

    • Unified multi-channel coordination (voice, chat, web, API)

Results

Proven success with Plavno’s AI-Powered Payment Agent for Fintech Platforms

+6–12% Higher Approval Rate

+6–12% Higher Approval Rate

Predictive routing and pre-checks unlocked more successful payments

35–45% Cost Reduction

35–45% Cost Reduction

Automation replaced repetitive payment ops and dispute handling

Global Scalability

Global Scalability

Cloud-native stack handled multi-region traffic and data residency

Happier Customers

Happier Customers

Faster confirmations, fewer declines, and conversational support

Lower Fraud Losses

Lower Fraud Losses

Risk models and velocity rules cut chargebacks significantly

Tools We Used

Technology stack

Backend

Backend

Node.js
Python
FastAPI
PostgreSQL
Redis
AI & Analytics

AI & Analytics

TensorFlow
PyTorch
OpenAI
Grafana
Prometheus
Infrastructure

Infrastructure

AWS Lambda
Kubernetes
WebSocket
WebRTC
Security

Security

Cloudflare WAF
JWT
RBAC
Encryption Layer
bg image
bg image

Project Estimator

Answer several questions and get a free estimate

  • The estimated time to launch the product

  • Clear vision of functionality you need

  • 15% discount on your first sprint

Get AI Estimate

Frequently Asked Questions

Quick Answers

Find answers to your common concerns

Can it integrate with our processors and core banking?

Yes—through APIs/SDKs we connect to PSPs, gateways, core ledgers, CRMs, ERPs, and support desks.

What’s the typical decision latency?

Under 400 ms for standard KYC/AML/risk flows with cached rules and models.

Is it compliant and secure?

100%—built on ISO, SOC 2, GDPR controls with PCI-DSS ready patterns, tokenization, and full audit trails.

Can it handle multiple countries and currencies?

Yes—multi-region deployments support local rails, data residency, FX, and localization.

How long is deployment?

MVP ready in 12–14 weeks, depending on processor mix, compliance scope, and integrations.

About Plavno

Why choose Plavno?

Proven by our
customers feedback

clutch.co
AI-first Delivery

AI-first Delivery

Senior engineers + proven AI components to accelerate time-to-value.

800+ Projects Delivered

800+ Projects Delivered

From MVPs to enterprise platforms at global scale.

Full-stack Team

Full-stack Team

From extension UX to GPU pipelines and global scale.

Testimonials

We are trusted by our customers

“They really understand what we need. They’re very professional.”

The 3D configurator has received positive feedback from customers. Moreover, it has generated 30% more business and increased leads significantly, giving the client confidence for the future. Overall, Plavno has led the project seamlessly. Customers can expect a responsible, well-organized partner.
Read more on Clutch

Sergio Artimenia

Commercial Director, RNDpoint

Sergio Artimenia

“We appreciated the impactful contributions of Plavno.”

Plavno's efforts in addressing challenges and implementing effective solutions have played a crucial role in the success of T-Rize. The outcomes achieved have exceeded expectations, revolutionizing the investment sector and ensuring universal access to financial opportunities
Watch video review on YouTube

Thien Duy Tran

Product Manager, T-Rize Group

Thien Duy Tran

“We are very satisfied with their excellent work”

Through the partnership with Plavno, we built a system used by more than 40 million connected channels. Throughout the engagement, the team was communicative and quick in responding to our concerns. Overall, we were highly satisfied with the results of collaboration.
Read more on Clutch

Michael Bychenok

CEO, MediaCube

Michael Bychenok

“They have a clear understanding of what the end user needs.”

Plavno's codes and designs are user-friendly, and they complete all deliverables within the deadline. They are easy to work with and easily adapt to existing workflows, and the client values their professionalism and expertise. Overall, the team has delivered everything that was promised.
Read more on Clutch

Helen Lonskaya

Head of Growth, Codabrasoft LLC

Helen Lonskaya

“The app was delivered on time without any serious issues.”

The MVP app developed by Plavno is excellent and has all the functionality required. Plavno has delivered on time and ensured a successful execution via regular updates and fast problem-solving. The client is so satisfied with Plavno's work that they'll work with them on developing the full app.
Read more on Clutch

Mitya Smusin

Founder, 24hour.dev

Mitya Smusin

Contact Us

This is what will happen, after you submit form

Need a custom consultation? Ask me!

Plavno has a team of experts that ready to start your project. Ask me!

Vitaly Kovalev

Vitaly Kovalev

Sales Manager

Schedule a call

Get in touch

Fill in your details below or find us using these contacts. Let us know how we can help.

No more than 3 files may be attached up to 3MB each.
Formats: doc, docx, pdf, ppt, pptx.
Send request