Meet IXONav: Your AI Payments Expert, Connected to Your Payment Data

For many businesses, payment data is one of the most valuable sources of operational insight.

Approval rates, decline reasons, fee structures, chargeback trends, PSP performance, refund patterns, retry outcomes, and customer-level payment behavior all reveal insights that can generate additional revenues and increase customer satisfaction

The challenge is that payment teams rarely struggle because they lack data. They struggle because the data is fragmented, difficult to interpret, and time-consuming to act on.

Emerging Solutions

A metric drops on Monday morning. The team exports reports from different PSPs after logging into multiple portals, compares dashboards, checks decline codes, builds pivot tables, asks finance for fee data, and waits for someone to connect the dots. 

That is the gap that AI with LLMs are designed to close. We built IXONav to solve this, once and for all.

IXONav is your AI Payments Expert directly embedded into IXOPAY Payments Intelligence, giving teams a faster way to access knowledge, estimate impacts and discover how to act, quickly.

Gartner found that 61% of organizations are evolving their data and analytics operating model because of AI technologies, reflecting a broader shift toward faster, AI-assisted decision making. We believe that our merchants deserve better solutions staying at the top of the innovation curve.

What is IXONav?

IXONav is the AI assistant embedded within IXOPAY Payments Intelligence — an expert payments analyst connected to your company’s payment data and powered by a curated payments knowledge base with all IXOPAY experts know-how. 

It helps payment, finance, risk, operations, and data teams in finding anomalies, forecasting impacts, scheduling analysis and much more. 

Instead of building custom reports, writing queries, or waiting for manual analysis, teams can ask questions such as:

• Why did approval rates drop for Visa transactions in Germany last week?

• Which PSPs are showing higher decline rates month over month?

• Did processing fees increase in a specific market?

• Where are refund rates rising?

• Which retry strategy recovered the most revenue?

• Are there unusual chargebacks or risk patterns we should investigate?

IXONav is not a generic chatbot layered on top of a dashboard. It works within the IXOPAY Payments Intelligence environment, where payment data is collected, normalized, and analyzed across multiple sources — including IXOPAY orchestration data, tokenization data, and direct standalone payment service provider connections. This gives teams a unified view across providers, markets, payment methods, and operational workflows.

That connection to company-specific payment data is what makes IXONav valuable. It does not just explain payment concepts. It helps teams investigate their own payment performance, whether the data comes through IXOPAY orchestration, tokenization, or directly connected PSPs.

From payment reporting to payment reasoning

Traditional payment reporting often stops at showing what happened.

IXONav helps teams go further by supporting the next questions:

• What changed?

• Where did it change?

• Why might it have changed?

• Which teams should look into it?

• What is the forecasted impact if i don't act?

Modern payment operations are too complex for static reporting alone. A decline issue may involve a specific PSP, issuer, BIN range, market, card type, payment method, retry path, or risk rule. A fee increase may be hidden across settlement files, currencies, acquirers, or card products. A chargeback trend may start long before it appears in end-of-month reporting.

The need for faster investigation is only growing. For example, Mastercard, citing research from Datos Insights, projects global chargebacks will increase 24% by 2028, reaching approximately 324 million disputes annually. As payment volumes rise, identifying root causes will become increasingly important for protecting revenue and customer experience.

Core IXONav capabilities

Natural-language payment analysis

IXONav allows users to interact with payment data conversationally. Teams can ask questions in plain English and receive structured responses based on the payment data available within IXOPAY Payments Intelligence.

Payment, finance, risk, and operations teams can explore payment performance more directly and move faster from question to answer.

Context-aware insights

IXONav is embedded within the analytics experience. When users are viewing a report, chart, or table, they can ask questions in context or trigger analysis based on what they are already looking at.

This can help teams move from passive reporting to active investigation.

Machine learning-powered anomaly detection

IXONav works alongside IXOPAY’s machine learning-based anomaly detection capabilities.

The IXOPAY proprietary models help monitor payment data for unusual patterns, such as unexpected changes in approval rates, fee behavior, refund activity, chargebacks, risk signals, or data ingestion issues.

Continuous monitoring is essential because payment risks rarely stay static. According to Cybersource's latest global fraud research, 98% of merchants experienced at least one type of payment fraud during the previous year, highlighting why identifying unusual payment behavior early is becoming increasingly important.

Forecasting and forward-looking analysis

IXONav also supports more forward-looking payment analysis by helping teams understand where current trends may be heading.

This helps shift payment operations from reactive reporting to proactive decision-making.

Scheduled prompts and recurring analysis

Many payment teams lose time recreating the same reports every week or month.

IXONav can help reduce that repetitive work through scheduled prompts and recurring analysis. Teams can define specific questions or checks, schedule them to run at regular intervals, and receive consistent outputs without rebuilding the analysis manually each time. 

Insights delivered where your team works

IXONav can also connect with Slack, helping teams bring payment insights into the communication channels they already use. Scheduled analyses, alerts, and payment insights can be shared automatically, reducing manual report distribution and helping teams respond faster.

How IXONav Works

At its foundation, IXONav leverages LLMs with a dedicated knowledge base and a series of data tools integrated directly into the IXOPAY Payments Intelligence data layer. Rather than operating on generic financial data, it works against the structured payment data ingested from your connected payment service providers knowing exactly which KPIs to use and data fields depending on the user requested analysis.

The integration architecture means IXONav has contextual awareness of the analytical environment. When a user is viewing a specific report, chart, or data table, IXONav can reference that context when generating responses—producing analysis that is directly relevant to what the user is examining, rather than operating in isolation.

The result is a shorter path from payment event to informed action.

Teams spend less time preparing the data and more time deciding what to do about it.

See IXONav in action

Ready to spend less time building reports and more time improving payment performance? Request a demo.

You can also register for a demo account to see how IXONav can help your team investigate issues faster and make better decisions using your own payment data.