Global payments shouldn’t be hard. But they are. Merchants juggle multiple PSPs, acquirers, card networks, and alternative payment methods across regions. At IXOPAY, we’ve built our platform around solving this challenge, providing the connectivity and orchestration merchants need to unify their global payment stack, reduce provider lock-in, and scale with confidence. Our platform is also unique in offering robust automated reconciliation of settlement data across PSPs, giving businesses a clear, accurate view of their financial performance without the manual effort.
But as merchants become more connected, a new challenge emerges: what to do with all the data those connections create. Every transaction generates signals. Every provider structures data differently. Without intelligence layered on top, merchants risk drowning in information without ever uncovering the insights that can improve performance, reduce costs, and grow revenue.
Today’s merchants need to uncover actionable insights from their payments data. They’re asking questions like:
Why did this transaction fail?
How do my acceptance rates compare across regions?
Where am I losing margin to fees or fraud?
How can I turn payments into a growth driver, not just a cost center?
I’m excited to see our vision for providing this level of intelligence come together with the acquisition of Congrify, an AI-powered payments intelligence and observability platform—giving merchants the tools to optimize performance, cut costs, and unlock new revenue opportunities.
Adding Intelligence to Orchestration
Congrify was founded to help merchants cut through the noise of fragmented payments data. Their platform unifies and standardizes data across providers, then applies AI to uncover trends, spot anomalies, and recommend actions.
By bringing Congrify into IXOPAY, we’re strengthening the foundation we’ve already built:
Connectivity ensures merchants can unify and route payments across hundreds of PSPs and methods.
Intelligence ensures merchants can act on that unified data to make better decisions, faster.
Together, we’re turning orchestration into not just the backbone of payments, but also the brain.
What This Means for Merchants Today
With Congrify now part of IXOPAY, merchants can:
Gain unified visibility into critical KPIs like authorization rates, decline reasons, and chargebacks
Set up real-time alerts to catch shifts in performance before they impact revenue
Ask complex questions—like “How do I reduce declines in Germany?”—and get instant, AI-driven recommendations through our new AI Co-Pilot
The result is a platform that doesn’t just process payments. It powers decisions.
A Merchant-First, Agnostic Approach
Crucially, IXOPAY will continue to deliver these insights in a provider-agnostic way. We are not tying intelligence to a single processing network or steering merchants toward one outcome. Our goal is to give businesses full visibility and control across their entire multi-provider ecosystem. That’s how payments become a lever for resilience, efficiency, and innovation.
The Road Ahead
Connectivity remains a cornerstone of IXOPAY. It’s what enables merchants to move fast, scale globally, and stay in control of their payment stack. With Congrify, we’re taking the next step: transforming payments data into actionable intelligence that merchants can use to optimize performance, minimize costs, and fuel growth.
This is the future of payments orchestration: global connectivity paired with AI-powered insights.
Global Orchestration. Actionable AI Intelligence. One Platform.
