Quiet AI behind every IPAY payment.

IPAY scores every available PSP, wallet and local payment method per country, merchant and order context — then recommends the route most likely to convert at the lowest blended cost.

• Live availability and success-rate signal per PSP / wallet / method
• Fallback path selection when a primary route degrades
• Country and currency aware (EU, Asia, cross-border)
• Cost-aware: weights PSP fee, FX and merchant target margin

Example: a Polish consumer paying for a Belgian merchant order at locker release — IPAY routes to BLIK first, falls back to Wero-iDEAL and then to a card route if needed, while keeping the merchant under its target take-rate.

Merchants define which countries, carriers, delivery methods and payment methods are eligible per product category. IPAY helps surface the rules that protect margin and reduce return risk.

• Country × carrier × delivery-method × payment-method matrix
• Margin-protective defaults per merchant segment
• Return-risk hints based on category and destination
• One-click activation of a recommended rule

Example: a fashion merchant gets a recommendation to disable Pay-On-Arrival for >€250 orders to ZIP-codes with historically high refusal rates.

Every IPAY-enabled order is checked against expected margin before release: delivery cost, IPAY fee, PSP cost, carrier payment-check fee, duties and a return-risk assumption.

• Pre-shipment margin guardrail
• Per-order, per-merchant, per-country visibility
• Highlights orders that erode margin before they ship
• Feeds back into shipping rules and routing

Example: a cross-border parcel where duties + carrier fee + PSP fee would compress margin below 4% is flagged for review — the merchant can choose to ship prepaid only or adjust the price.

A real-time operations console for the IPAY team and admin users. Every PSP, wallet, method, fallback, carrier release and settlement state is monitored together, with anomaly detection on top.

• Live PSP / wallet / method status
• Settlement and reconciliation exception alerts
• Carrier release blocks and stuck-order surfacing
• Country / merchant heat-map of incidents

Example: when a regional PSP's success rate drops 12pp in 10 minutes, the Control Room flags the dip, suggests a fallback route, and notifies the on-call operator.

AI-assisted help guides merchants, carriers and consumers through payment links, delivery release, onboarding steps and operational questions — in their own language.

• Multilingual help (EN / NL / FR / DE / VI today, more on roadmap)
• Context-aware answers grounded in IPAY documentation
• Escalates to a human operator when needed
• Reduces onboarding time for new merchants and carriers

Example: a new merchant integrating in DE asks about webhook retries — the AI returns the relevant API section in German and links to the sandbox endpoint.