The payment thinking and the payment doing, handled.
It explains what’s happening with your payments, gets more of them through on its own and shows you where to grow next. All within your rules, while you do the part no AI can.
Payment answers, smarter routing and next moves, without the digging.
Decline codes, translated.
A decline code rarely tells you what went wrong. The AI Payments Manager reads it alongside the transaction history and wider patterns, then explains it in plain words and suggests the fix.
Stop searching. Start asking.
Skip the export, the filter, the six provider dashboards. Ask what happened to a payment or a customer, and get the answer right where you’re already working.
Routing that gets better with every payment it sees
Your rules set the limits. Within them, the AI Payments Manager learns from your payment results and adjusts your routing on its own, so more payments go through at a lower cost.
Find your next move before you go looking for it
Payment patterns already show where to expand next, which method to add, or where currency exposure is quietly costing you. The AI Payments Manager surfaces it and suggests the fix. You decide whether to apply it.
Payment intelligence, up close.
Plain answers on your payments, an assistant on call, routing that tunes itself and copilots that spot your next move. All built on your own payment data.
Autopilot Routing
Picks the best route using geography, cost, provider performance and your rules, and improves with each payment. Always with its reasoning on show.
Decline Intelligence
Classifies declines from your connected providers, explains them in plain words and shows the payment’s full history alongside. One clear view instead of several portals.
AI Assistant
Your payments team’s extra pair of hands: the AI Assistant finds transactions, explains results, handles refunds and loops in colleagues when needed. Always within your permissions.
Growth & FX Copilots
Advisors that read your own payment data and surface the next market, method or currency move worth making, backed by what your own numbers already show.
You set the limits. The AI Payments Manager works within them.
Set roles, permissions and approval steps - the AI Payments Manager works within them. Each action stays on record, with the reasoning attached.
It inherits your limits
The Assistant can only do what the person using it is already allowed to do. It does not get a backdoor around your permission structure. If someone on your team cannot approve a refund, the Assistant cannot either.
Confirmation comes before execution
Anything beyond the limits you set waits for your approval, refunds and provider changes included. No surprises in the morning.
Nothing happens off the record
Each action is tied to the person who asked for it and logged as it happens. As the AI Payments Manager does more for you, the record grows too, so you can see who did what, and why.
Smarter decisions start with deeper data.
The AI Payments Manager reads the data your payments already create: each attempt, route, provider response and decline reason. That depth is what turns a raw code into a clear answer, and a routing rule into a better one.
320+
data points per payment
90
events on one timeline
50
decline codes in plain language
Each provider call
kept and analysed
Everything it takes to get to Yes.
Agentic Commerce
Gets your checkout ready for AI shoppers through the integration you already have. Agents are verified, spending limits respected, and the setup handled for you.
Tokenisation & Real-time Updaters
Tokenisation & Real-time Updaters keep stored cards yours when providers change.
Reconciliation & Reporting
Reconciliation & Reporting puts every payment's full story in one place.
Checkout & Payment Methods
Checkout & Payment Methods gives every market the ways it already pays.
Frequently asked questions
What can the AI Assistant do?
Find a transaction, explain a decline, issue a refund or flag an issue for a teammate, all from your own payment data. It can only do what the person asking is allowed to do.
Can the Assistant take action without my approval?
Only within limits you set. The Assistant acts on requests, under the permissions of the person asking. Autopilot can make routing changes within the limits you’ve approved, and anything beyond them, or anything sensitive like a refund, waits for confirmation.
How does routing decide where a payment goes?
It weighs factors like country, cost, provider performance and your own rules. Over time, it learns which routes work best and adjusts within your limits. If a payment fails on one provider, it can be retried on another.
How do I know the AI is not just a black box making calls I cannot explain?
Because it shows its working. Each action is tied to the person who asked for it and logged, and each routing decision comes with the reasoning behind it, so you can always see what happened, and why.
What data does the AI use?
Your own payment data from your connected providers: payment attempts, provider responses, decline details and routing results. Nothing from outside sources, and no separate system.
Does any of this involve holding or moving my funds?
No. Upprove is a technology layer, not a bank or an acquirer. Your money settles directly between your provider and you. The AI Payments Manager works with data about your payments, never with the funds themselves.
Does the AI Payments Manager reduce the manual work my team does today?
Yes. Explaining a decline, finding a transaction and drafting the next step no longer need someone to dig through six separate portals first. The more it handles directly, the less manual payment operations work sits with your team.
Meet the AI Payments Manager that keeps your payments moving and improving.
See how the AI Payments Manager turns provider responses into clear answers and acts on them within your rules.