Clear merchant KYC, dispute and reconciliation queues with AI your risk team can audit
We build document, vision, voice and AI security systems for payment aggregators, gateways, B2B payment platforms and fintech apps. Each one shows its evidence and leaves the decision with your risk, finance or compliance team.
Payment businesses run on operations queues: merchant onboarding files waiting for KYC review, chargebacks with response deadlines, settlement files that do not tie to escrow credits, and calls about UPI payments that were debited but failed. AI helps most where people currently read documents, compare records or answer the same question many times, and where every output can be checked against a source. It does not replace your fraud models, your risk policy or the person who signs off a high-risk merchant. We build systems that prepare the work, show their evidence and leave decisions with your teams. As fintechs add LLM assistants and agents to their own products, we also test those features before customers and attackers find the gaps.
Challenges we hear
Onboarding speed versus risk appetite
Sales wants merchants live quickly, while risk must complete PAN, GST, bank, website and business-model checks properly before activation.
Dispute deadlines
Card network and UPI dispute windows are short, and the evidence sits across order systems, courier partners, support tickets and the merchant's own records.
Settlement breaks
Acquirer and partner bank settlement files rarely tie to escrow credits line for line, so unexplained differences build up in suspense.
AI features under scrutiny
Chatbots and agents that can see transaction data or trigger refunds create new routes for data leakage and misuse, and boards, partner banks and regulators expect them to be tested and governed.
Where AI fits
Document Intelligence
Reads merchant KYC packs, GST invoices, chargeback evidence and settlement files, and checks them against each other with every value linked to its source.
Computer Vision
Selfie-to-ID face match, liveness and document tamper checks for digital onboarding, with borderline cases sent to a fraud reviewer.
Voice AI
Hindi, English and Hinglish support agents that read live payment status and explain reversals and refunds, without any access to move money.
AI Security & Compliance
Pre-launch testing of LLM features, permission reviews for agents that can move money, and DPDP-aligned assessments of how AI systems handle personal data.
AI Sales & Marketing Automation
Activation and upsell journeys driven by merchant integration and transaction signals, sent within consent, DLT and WhatsApp template rules.
Use cases
- Featured
Merchant Onboarding KYC Verification
Read merchant KYC packs, cross-check PAN, GSTIN, bank proof and the merchant's website, and give risk analysts a ready-to-decide file with every check explained.
Chargeback and Dispute Evidence Pack Assembly
Gather order, delivery, authentication and refund records for each chargeback, check them against the reason code and draft a representment pack for your disputes analyst.
Invoice and GST Data Extraction for B2B Payments
Extract GSTINs, HSN lines, tax splits and IRN data from supplier invoices before a B2B payment or invoice financing is released, with tax-logic and duplicate checks.
- Featured
Settlement Report and Bank Statement Reconciliation
Match gateway transaction logs, acquirer and UPI settlement files and escrow bank statements, explain the breaks and send only the unexplained ones to your reconciliation team.
Selfie-to-ID Face Match and Document Tamper Checks
Compare a live selfie with the photo on an ID, check liveness and spot edited or replayed ID images, sending borderline cases to a reviewer with highlighted evidence.
Support Voice Agent for Failed Payments and Refunds
A Hindi, English and Hinglish voice agent that finds debited-but-failed UPI and card payments, explains reversal and refund status from live data, and raises or escalates tickets.
- Featured
Pre-Launch Security Assessment for LLM Features
Test a new chatbot, copilot or LLM feature for prompt injection, cross-customer data leakage, off-policy answers and unsafe output handling before release, with evidence and a retest.
AI Agent Permission and Tool-Use Security Review
Find out what your AI agents can actually do: which tools, credentials and money-moving actions they reach, where approvals sit, and whether injected text can make them misuse tools.
DPDP-Aligned AI Data Handling Assessment
Map where personal data flows through your AI features, prompts, logs, vector stores and vendors, and get a gap register and evidence pack against DPDP Act duties for your DPO.
Merchant Activation and Upsell Automation
Spot merchants stuck between approval and first live transaction, send help specific to their blocker over WhatsApp and email, and time upsell prompts to real usage signals.
Regulatory context
RBI directions for payment aggregators
RBI's framework for payment aggregators sets expectations on merchant due diligence, escrow account handling and data security. Our onboarding and reconciliation systems keep the records that help you evidence these checks.
DPDP Act 2023 (India)
Requires a lawful basis such as consent, purpose limitation and reasonable security safeguards for digital personal data, with detailed obligations set out in the DPDP Rules. Our systems minimise, mask and log the personal data they process.
RBI FREE-AI framework (2025)
RBI's Framework for Responsible and Ethical Enablement of AI sets out recommendations on AI governance, testing and accountability for regulated entities. Our security assessments help you evidence these practices.
PCI DSS
Card data environments must meet PCI DSS. We design AI pipelines so they work with masked or tokenised card data and stay out of the card data environment wherever possible.
FAQs
01Will the AI approve merchants or decide disputes?
No. Our systems prepare files, run checks and draft packs, and they show the evidence behind every flag. Your risk analysts, disputes team and finance controllers make the decisions and their sign-off is recorded.
02Can you work without seeing full card numbers?
Yes. We design pipelines around masked or tokenised card data and transaction references such as RRN, ARN and UTR. Full card numbers are not needed for the use cases we build.
03Where is payment data processed?
We deploy in your own cloud account or in an India region of a major cloud provider. RBI's direction on storage of payment system data expects payment data to be stored in India, so payment data stays in India, and we can use model endpoints that do not retain or train on your data.
04How long does a pilot take?
Most pilots run two to four weeks on one narrow workflow, such as one merchant segment or one dispute reason code, alongside your current process. You get a working system, a measurement report and a costed production plan.
Related industries
Founded by Akhilesh Mittal. 8 years building a security platform for a New Zealand company. IIT ISM Dhanbad and IMT Ghaziabad. Builds production agentic AI.
Pick one queue and test it on your own data
Book a discovery call. We will choose one workflow, such as merchant KYC review or dispute evidence, and scope a short pilot that runs alongside your current process.