What it is, and why it matters.
Payment operations generate more signal than any team can watch continuously. Approval rates drift, decline patterns shift, disputes arrive with deadlines — and by the time someone notices, revenue has already leaked.
Vertlo's AI agents monitor your operation and surface what matters: an approval dip on a specific route, an anomaly in a cohort, a dispute that needs evidence. They draft and recommend; people decide. No agent moves money or acts on a sensitive decision without human approval.
Assistance, with a human in the loop
Always watching
Continuous monitoring catches drift a periodic review would miss.
Drafts, not decisions
Agents prepare evidence and recommendations for human approval.
Faster response
Anomalies surface with context and a suggested next step.
Safe by design
No autonomous action on money or sensitive changes.
Inside AI agents
Configured with your acquiring, routing, and reporting during onboarding — and supported by a team that knows the account.
Book a call→Trend monitoring
Approval, decline, refund, and dispute trends watched continuously.
Anomaly alerts
Context-rich alerts with a recommended action.
Evidence drafting
Draft dispute representment for human review.
Human approval
Every consequential action gated by a person.
Audit trail
Agent recommendations and human decisions logged.
Where agents help
Approval monitoring
Alert when a route or cohort dips below baseline.
Dispute drafting
Assemble a draft evidence pack for your review.
Anomaly detection
Surface unusual patterns before they compound.
AI agent FAQs
Answers to the questions merchants ask most about this part of the platform.
Do AI agents act on their own?
No. Agents monitor, draft, and recommend. Every consequential action — moving money, submitting evidence, changing routing — requires human approval and is recorded in the audit log.
What do the agents monitor?
Approval and decline trends, refund and dispute patterns, cohort anomalies, and deadlines — surfacing what needs attention with context.
How is my data handled?
Agents operate on your own account data within Vertlo. Data handling follows the platform's security and compliance practices.
Can I turn agents off?
Yes — agent assistance is configurable, and you control which signals and workflows they support.