Autonomous Payments

Set It. Forget It. AI Runs Your Payments

The ultimate goal: a payment system that optimizes itself. Zero manual decisions. The AI routes, retries, recovers, adjusts, and grows — while you focus on your business

Levels of Automation

LEVEL 1

Manual

Where most gateways are

•You choose the provider

•You set the rules

•You handle declines

•You investigate fraud

•You monitor performance

LEVEL 2

Assisted

SeferPay with Smart Routing

•AI suggests the provider

•You approve routing rules

•AI retries declines

•AI flags fraud

•AI monitors performance

LEVEL 3

Supervised

SeferPay with AI Brain

•AI chooses the provider

•AI creates routing rules

•AI recovers declines (multi-channel)

•AI blocks fraud (ML-based)

•AI alerts you when attention needed

•You review weekly, not daily

THE GOAL

LEVEL 4

Autonomous

SeferPay Autopilot — the goal

•AI makes ALL payment decisions

•AI adds/removes providers automatically

•AI adjusts pricing dynamically

•AI manages fraud thresholds

•AI optimizes currency conversion

•AI sends reports (you read, not manage)

•AI predicts and prevents problems

•You focus 100% on your business

🤖 SeferPay AutopilotActive (47 days)

"I've been managing your payments for 47 days. Here's what I did while you focused on your business:"

This Week

🔀 Routing Decisions

›Routed 12,847 transactions to optimal providers

›Saved ₺34,200 in processing fees vs static routing

🔄 Recovery

›Attempted recovery on 1,423 declined payments

›Recovered 327 (23%) = ₺277,900 in saved revenue

🛡️ Fraud Prevention

›Blocked 12 fraudulent transactions = ₺45,200 protected

›False positives: 0 (zero legitimate customers blocked)

⚡ Performance

›Detected Tap latency spike on Wednesday

›Auto-rerouted 234 transactions to alternatives

›Impact on merchants: zero downtime

📈 Optimization

›Increased routing to Moyasar for mada cards (+4.2% rate)

›Reduced Stripe usage for SA Visa (-2.1% savings)

›Net impact: +₺12,800/week additional revenue

🤖 AI Confidence: 96.4%

"I recommend keeping autopilot on. Manual override is available at any time"

Autopilot Safety Controls

🛑

Guardrails

AI operates within limits you set: max transaction, allowed providers, fraud threshold, budget limits, approval rules. AI never exceeds your boundaries

📊

Transparency

Every decision is logged with what was decided, why, what alternatives were considered, and the outcome. Full audit trail. Exportable. Compliant

🔧

Override

One-click pause. Take manual control instantly. AI respects your overrides and learns from them: "You overrode 3 decisions. I've adjusted my model"