Ask anything about your payments. Automate the rest
Optimize payment performance, defend chargebacks, reconcile transactions, and detect cost anomalies with the help of agentic workflows. Ask Payrails works alongside your team, automating the repetitive cycles with AI, so people can focus on the decisions that matter.
AI built into every payment workflow
Most AI bolted onto payments lacks the context to be truly useful. Ask Payrails is embedded directly into the platform, reasoning over your full financial data — transactions, providers, customers, settlements — to help your team work faster and smarter.
Maximize approval rates with intelligent routing
Our ML models analyze historical transactions and real-time provider performance, so each payment gets sent through the path most likely to succeed. Smart retry logic recovers soft declines based on issuer behavior, automatically triggering 3DS where needed and recovering revenue that would otherwise be lost.
Win more disputes with AI-native chargebacks
Automate the most time-consuming parts of dispute defense. Payrails Chargebacks enriches each case with transaction and order context, generates the defense document, recommends which disputes to challenge, and handles customer communication and refund workflows.
Auto-reconcile transactions and surface mismatches
Use LLM-powered matching to reconcile transactions across orders, payments, and settlements. AI auto-resolves expected discrepancies like fees and FX adjustments, surfacing only the complex cases that require human review to drastically reduce month-end closing times.
Detect overcharges and cost leakage
Fee Monitoring agent continuously audits settlement data to verify processor fees, detect anomalies, and identify discrepancies before they accumulate. Finance teams get explanations in plain language without parsing thousands of settlement lines, and recover funds when overcharges are confirmed.
Talk to your payment data
Our AI analytics assistant lets you ask your payment data anything, giving you a single interface for real-time insights across your entire stack. Get instant, visualized answers on fees, auth and recovery rates, and provider performance, with the clarity to diagnose issues and make better decisions faster.
100+ payment integrations with Payrails
The operating system for profitable growth
Use payments as the foundation for optimizing growth and global performance.
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Turn payments into profits
Grow smarter with AI-native payment optimization. Get a walkthrough tailored to your business, markets, and stack.
Got questions?
Ask Payrails is the AI layer embedded across every Payrails product. It combines specialized ML models and intelligent agents to optimize routing, defend chargebacks, reconcile transactions, monitor fees, and detect anomalies in real time.