Agentic AI in Payment Processing

Multimodal builds agentic AI for B2B payment automation, transaction monitoring, fraud detection, dispute resolution, reconciliation, and compliance management. Our platform delivers end-to-end automation for payment process operations.

Automate
Payment Processing With Agentic AI
24/7
Payment Support With Conversational AI
Accelerate
Invoice Reconciliation With Automated Matching
One
Agentic AI Platform to Automate All Complex Work
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One Agentic AI Platform to Automate All Complex Work

AgentFlow is our secure & integrated Agentic AI platform purpose-built for finance and insurance.

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How Multimodal AI Agents work

Our AI Agents learn, think, and act with different built-in capabilities. We fine-tune these AI Agents on your company data and deploy them as APIs through our AgentFlow platform.

Unstructured AI

Processes unstructured data for RAG architectures and downstream GenAI applications.

Document AI

Trained on your schema to extract, label, and organize data from structured and unstructured documents.

Decision AI

Ingests your internal manuals and guidelines, providing accurate data-driven decision recommendations for complex workflows.

Database AI

Access company databases to answer queries, interpret datasets, and provide actionable insights.

Conversational AI

Your in-house chatbot that accesses unstructured internal data to provide customer and employee support.

Report AI

Generates reports, policies, messages, and other documents in your company’s unique style while staying compliant with regulations.

Multimodal AI Agents Automate Payments with Precision

Customer Onboarding

70%
Reduction in customer onboarding time
20%
increase in cross selling

Automated onboarding and approval: Verify customer information quickly and reconcile with credit reports and external documents, reducing manual effort and processing time.

Real-time risk assessment:
Assess customer risk profiles in real-time, ensuring compliance with regulatory requirements and mitigating the risk of fraud.

Personalized product recommendations:
Offer personalized product recommendations based on customer preferences and needs.

Dispute Resolution

60%
Reduction in dispute resolution time
15%
reduction in chargeback rates

Automated dispute resolution: Automate the dispute resolution process, reducing manual effort and improving efficiency.

Knowledge base integration:
Integrate AI with a knowledge base of frequently asked questions and dispute resolution guidelines to provide automated support to customers.

Customer sentiment analysis:
Analyze customer sentiment and identify potential areas for improvement in the dispute resolution process.

Real-time Fraud Detection

50%
Reduction
in fraud losses
20%
Better
risk management efficiency

Advanced fraud detection algorithms: Develop sophisticated fraud detection algorithms to analyze transaction data, customer behavior, and external factors to identify suspicious activity in real-time.

Behavioral biometrics:
Track customer behavior, such as typing patterns, mouse movements, and device usage to identify anomalies that may indicate fraudulent activity.

Real-time risk assessment:
Continuously monitor customer risk profiles and take proactive measures to mitigate losses.

Personalized Rewards Disbursement

20%
increase in
customer satisfaction
15%
better customer retention

Predictive analytics: Predict customer spending patterns and offer personalized rewards that are most likely to drive engagement and spending.

Real-time rewards optimization:
Optimize rewards programs in real-time, ensuring that rewards are offered at the right time and in the right amount to maximize customer value.

Personalized communication:
Understand customer preferences and needs and tailor messaging to increase engagement and drive spending.

Why Payment Companies Love Multimodal

Transparent & explainable

Our AI Agents are explainable, helping you track decisions and stay compliant with banking regulations.

Integration & flexibility

We provide end-to-end integration with legacy systems and existing workbenches. Our AI Agents also learn and improve continuously.

Tailored automation

Our AI Agents are trained on your company data, increasing accuracy, customer satisfaction, and specific risk identification.

Continuous Improvement

Our AI Agents are trained on your company data, increasing accuracy, customer satisfaction, and specific risk identification.

Security & Data Privacy First

Flexible Deployment

Our automation software is deployed on your infrastructure, either on your virtual private cloud (VPC) or on-premises.

Data Security

Your data stays within your systems, ensuring user privacy and compliance with regulations, enhancing business security.

Enhanced Protection

This setup safeguards your users, keeping your operations secure and compliant.

Book a 30-minute demo

Explore how our agentic AI can automate your workflows and boost profitability.

Get answers to all your questions

Discuss pricing & project roadmap

See how AI Agents work in real time

Learn AgentFlow manages all your agentic workflows

Uncover the best AI use cases for your business

FAQ

How does payment automation with AI benefit businesses?

Payment automation streamlines payment workflows by digitizing invoice capture, approval, and payment execution, reducing manual effort, errors, and processing time. This leads to faster payments, improved cash flow, and stronger vendor relationships, allowing finance teams to focus on strategic work instead of repetitive tasks.

What is B2B payment automation and how does it work?

B2B payment automation uses software to manage the end-to-end process of receiving, approving, and executing payments between businesses. It captures invoice data electronically, matches invoices to purchase orders, routes them for approval, schedules payments, and automatically reconciles transactions—all while maintaining compliance and security.

How do multimodal AI agents enhance payment process automation?

Multimodal AI agents can process invoices from multiple sources (email, portals, paper), extract and validate data using OCR and machine learning, and automate approval workflows. They also monitor transactions for fraud, ensure regulatory compliance, and generate detailed reports, making the entire payment process more accurate and efficient.

What are the security and compliance benefits of AI-powered payment automation?

AI-driven payment automation platforms use advanced encryption, multifactor authentication, and real-time monitoring to detect and prevent fraud. They also automate compliance checks, ensuring all transactions adhere to tax, AML, and other regulatory requirements, reducing risk and audit burdens.

Can AI automate payment workflows for recurring and one-time payments?

Yes, payment automation platforms can handle both recurring payments (like subscriptions or regular vendor invoices) and one-time payments. AI schedules, initiates, and tracks these payments automatically, ensuring on-time execution and reducing the risk of missed or duplicate payments.

How does payment automation impact cash flow and financial visibility?

Automated payment workflows ensure timely payments, reduce processing delays, and provide real-time insights into cash positions. Detailed analytics and reporting from AI systems help businesses optimize payment timing, take advantage of discounts, and better manage working capital.

What role does AI play in fraud detection for digital payments?

AI continuously analyzes transaction patterns and user behaviors to identify anomalies and potential fraud in real time. By adapting to new threats and minimizing false positives, AI helps prevent financial losses and enhances trust in digital payment processes.

How do payment automation platforms integrate with existing systems?

Modern payment automation solutions offer APIs for seamless integration with ERP, accounting, and banking systems. This enables businesses to automate data flow, synchronize records, and maintain consistent financial information across platforms.

Is payment automation suitable for small and midsize businesses?

Yes, payment automation is scalable and can be tailored to the needs of businesses of all sizes. Even small and midsize companies benefit from reduced manual workload, fewer errors, and improved vendor relationships.

How does AI personalize payment experiences for customers?

AI-driven payment platforms can analyze customer preferences and transaction histories to offer tailored payment options, personalized rewards, and targeted communications, enhancing customer satisfaction and engagement.

What are the main types of payment process automation?

Key types include invoice automation (data capture and approval), recurring payment automation (scheduled payments), accounts payable (AP) automation (vendor payments), accounts receivable (AR) automation (incoming payments), and expense management automation (employee reimbursements).

What does payment automation cost?

Pricing varies based on business size, transaction volume, and specific workflow needs. Contact us for a tailored quote and to discuss the best-fit solution for your payment automation requirements.