From Pymnts · PYMNTS · · 1m 10s
AI Turns Payment Data Into Smarter Routing Decisions
AI transforms scattered payment data into routing decisions for merchants.
In brief
AI transforms scattered payment data into routing decisions for merchants. AI can optimize payments routing by analyzing multi-PSP data to reduce costs and improve efficiency. Originally reported by Pymnts.
AI Payments Optimization
Artificial intelligence can unlock payment optimization potential in complex multi-PSP environments.
“There’s a ton of payments optimization potential in these payments rails, particularly in complex multi-PSP environments”
AI in Payments Infrastructure
AI addresses data overload in payments systems by turning processor performance into actionable insights.
“The technologies that we’re seeing today are actually able to be that lever, to start taking advantage of all of that data and drive both insights and eventually cost savings and efficiencies out of it”
40% Travelers Use LLMs
By end of 2025, approximately 40% of travelers use large language models to plan or book trips.
“somewhere around 40% of all travelers were using LLMs to plan or book”
AI Discoverability Revenue
AI search sessions convert at two to three times the rate of traditional search sessions for some merchants.
“convert and are complete at roughly two to three times the number of the sessions that start in traditional search”
AI Discovery Strategy
Merchants must ensure product catalogs are findable by AI agents before autonomous checkout.
“If the SKUs aren’t available and findable, nothing else matters”
Good vs Bad Bots
Payments systems need to authenticate machine legitimacy to prevent unauthorized transactions.
“There are good bots and there are bad bots”
KYA Model Emerges
Know your agents (KYA) becomes a new category for payments infrastructure to verify machine authorization.
“the know your agents model, that idea as a business is a new category”
AI Payments Intelligence
AI turns payments data into routing, cost and performance decisions for enterprise teams.
“If AI can translate processor performance into recommendations that finance, product and operations teams can understand”
Next Steps for Payments
Payments systems must develop machine authentication to handle agentic transactions securely.
“When you bring in nonhuman actors, it’s going to change the landscape, or is changing the landscape really dramatically”
The headline
AI can optimize payments routing by analyzing multi-PSP data to reduce costs and improve efficiency.
