AI & Fee Optimization

Get a singular view of every cost with transaction-level intelligence.

Key Benefits

Actionable Intelligence

Guide advanced analysis with an AI Co-pilot to uncover strategic insights.

Granular Allocation

Map unstructured fees and costs at a singular transaction level.

Proactive Detection

Identify performance issues and cost fluctuations before they impact the bottom line.

Automated Reconciliation

Automatically turn fragmented fee data into a structured format.

How it Works

Our AI & Fee Optimization engine transforms unstructured billing data into a granular, transaction-level map of your total cost of processing. By leveraging an intelligent AI Co-pilot and proactive anomaly detection, the platform automatically reconciles complex fee structures and identifies cost fluctuations in real-time. This enables your team to eliminate manual mapping and gain immediate, actionable intelligence to protect your margins with zero development overhead.

What You Get

AI Co-pilot

Advanced analytical tools leverage an intelligent co-pilot to guide users through complex fee structures and uncover hidden cost-saving opportunities. The interactive assistant facilitates deep-dive investigations and provides actionable intelligence for business reviews, allowing your team to move beyond raw data and execute sophisticated financial strategies with minimal manual effort.

Fee Allocation

Our engine assigns fees down to the singular transaction level, eliminating the ambiguity of bulk summary totals. By drilling into specific interchange and scheme fees, you can monitor all PSP invoice items to reconcile expectations against actuals. This level of granularity allows you to calculate the "Effective Cost"—an all-in rate that combines base charges, FX conversion fees, and non-transactional penalties—ensuring you avoid overcharges and protect your margins.

Anomaly Detection

Proactive monitoring tools combine a multi-KPI explorer with automated insights to identify performance deviations across different attribute groupings without manual investigation. By defining custom alert rules for key metrics, you can receive instant notifications via Slack or email when specific thresholds are breached, allowing you to quickly uncover hidden risks and stop cost fluctuations before they impact your bottom line.

Flix
“Working with the AI Payment Intelligence product has allowed us to fully achieve data control very quickly, without technical effort. It’s a key part of improving our payment management and operations.”
Dennis Köhler, Senior Head of Global Payments & Fraud at Flix

The Future is Agentic.
Are You Ready?

As commerce shifts from clicks to agents, your infrastructure must be protocol-agnostic. IXOPAY acts as the neutral trust layer, orchestrating identity and value across the fragmenting landscape of AI agent protocols.

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