The Agentic Future Arrives in Vegas
When payment operations and financial leaders gathered at Money 20/20 Las Vegas this year, one message resonated throughout every conversation: AI isn't coming to payments—it's already here. The buzz around embedded finance and AI-powered solutions wasn't just theoretical. It was tangible, with live demonstrations showing how machine learning transforms 200+ payment data points into actionable intelligence.
Our contribution was IXOPAY's newly launched AI Payment Intelligence platform, powered by our recent acquisition of Congrify. For payment teams managing multiple PSPs and finance partners drowning in spreadsheet reconciliation, the showcased solution offered something revolutionary: the ability to optimize payment performance without writing a single line of code. Instead, our platform allows you to ask questions about your payment data and get answers with insight that makes a real business impact.
IXOPAY's AI Payment Intelligence: From Demo to Reality
Marco Conte, founder of Congrify, captured the room's attention with a bold vision: "The usage of AI is undeniable. It needs to be brought to the payments industry, but combined with a flexible orchestration solution where leveraging data, the AI can really bring recommendations and change the way that we manage payments, because the future is agentic."
The platform addresses three critical pain points that keep payment leaders up at night:
Performance optimization: How to improve authorization rates in specific countries without manual analysis
Cost management: The million-dollar question of where money is actually being spent and how to reduce scheme fees
Operational efficiency: Eliminating reconciliation nightmares by unifying data from multiple payment source
The Build vs. Buy Equation: Why Intelligence Beats Infrastructure
The complexity of modern payment data makes building in-house solutions nearly impossible for most organizations. With hundreds of potential scheme fees and data coming through APIs, webhooks, and secure file transfers, the engineering effort alone can consume years of development time.
"It takes years to build this solution, and why should you build it when you can have it out of the box?" Marco explained during the demonstration. The modular approach allows merchants to pick and choose capabilities—from tokenization and routing to full-fledged orchestration—all powered by payment intelligence that delivers performance recommendations and anomaly detection.
Natural Language Meets Payment Complexity
Perhaps the most compelling feature demonstrated was the AI Co-pilot functionality—a proprietary LLM that transforms payment data analysis into conversational interactions. Payment teams can now ask questions in plain English and receive instant insights without deep technical knowledge.
During the live demo, attendees watched as complex queries about chargeback levels and fee distributions generated visual charts and actionable recommendations within seconds. "It's everything in a few clicks for people that might not be super familiar with data analysis and might not want to spend time deep diving into the analysis," the demonstration showed.
The Build vs. Buy Equation: Why Intelligence Beats Infrastructure
The complexity of modern payment data makes building in-house solutions nearly impossible for most organizations. With hundreds of potential scheme fees and data coming through APIs, webhooks, and secure file transfers, the engineering effort alone can consume years of development time.
"It takes years to build this solution, and why should you build it when you can have it out of the box?" Marco explained during the demonstration. The modular approach allows merchants to pick and choose capabilities—from tokenization and routing to full-fledged orchestration—all powered by payment intelligence that delivers performance recommendations and anomaly detection.
Natural Language Meets Payment Complexity
Perhaps the most compelling feature demonstrated was the AI Co-pilot functionality—a proprietary LLM that transforms payment data analysis into conversational interactions. Payment teams can now ask questions in plain English and receive instant insights without deep technical knowledge.
During the live demo, attendees watched as complex queries about chargeback levels and fee distributions generated visual charts and actionable recommendations within seconds. "It's everything in a few clicks for people that might not be super familiar with data analysis and might not want to spend time deep diving into the analysis," the demonstration showed.
Tokenization: The Foundation for Agentic Commerce
Beyond data intelligence, the conference highlighted how tokenization serves as the foundation for the next evolution in payments. IXOPAY's universal and network tokens create the infrastructure necessary for AI agents to perform autonomous transactions—a vision that's moving from concept to commercial reality.
"This is basically the foundation to enable agents performing payments, and it's really in the right position," Marco emphasized, connecting the dots between today's tokenization investments and tomorrow's autonomous payment capabilities.
The Path Forward: Intelligence Without the Headaches
For payment operations teams facing executive pressure on authorization rates and processing costs, the message from Money 20/20 was clear: the tools to transform payment operations are available today. No more waiting weeks for developer resources. No more manual reconciliation marathons. No more flying blind on optimization opportunities.
The convergence of orchestration, tokenization, and AI-powered insights creates a new paradigm where payment teams can test, iterate, and optimize their stack with the same agility as product teams. In this new world, improving approval rates by 2-4 percentage points isn't a six-month project—it's a Tuesday afternoon experiment.
Curious to know more about how AI can transform your payment operations? Watch the full Congrify demo and be sure to check out our Money 20/20 highlights video.