Merchant and payment operations
Merchant onboarding, POS and settlement support, reconciliation exceptions and transaction monitoring on one desk.
Merchant and payment operations is an Aginies solution package for the Fintech & Payments sector in the “operational automation” area. What the agents do: KYB: trade registry, signatory and sanctions checks, risk class and contract in one flow; the operations assistant resolves POS diagnosis, settlement breakdown, refund and limit requests on WhatsApp and the portal. Expected outcomes: merchant issues resolved at first contact, on one channel; KYB within hours; the risk team only on exceptions; reconciliation exceptions no longer wait for month-end. The package uses the KYB & sanctions tools, Terminal & settlement tools, Policy engine, Human-in-the-loop capabilities of the Aginies platform and can be watched live through the Merchant operations assistant: POS, settlement, refund and limit, Merchant KYB onboarding, Payment reconciliation exceptions, AML transaction monitoring alert triage scenarios in the agent library.
At a payment institution the merchant desk, risk team and reconciliation team work separately on the same merchant; KYB takes days, settlement questions fill the call centre, exceptions wait for month-end.
- 01KYB: trade registry, signatory and sanctions checks, risk class and contract in one flow.
- 02The operations assistant resolves POS diagnosis, settlement breakdown, refund and limit requests on WhatsApp and the portal.
- 03Reconciliation exceptions matched and explained; AML alerts presented to the risk team with evidence.
- 04BNPL and instalment decisions through the policy engine; out-of-band requests always to a person.
- Merchant onboarding (KYB), risk class and contract
- Operations assistant: POS, settlement, refund and limit in one dialogue
- Reconciliation exceptions and transaction-monitoring (AML) alerts
- BNPL and instalment decisions with the policy engine
- API access to terminal management, settlement ledger and refund service
- Risk policy and rules per central-bank and AML obligations
- WhatsApp Business and merchant-portal channels
Derived from the linked scenarios: the supervisors, specialist agents, models and systems that run this package.
Summed from the simulation definitions of the linked scenarios; recalculated for your scale in the discovery session.
- Merchant issues resolved at first contact, on one channel
- KYB within hours; the risk team only on exceptions
- Reconciliation exceptions no longer wait for month-end
| Merchant support first-contact resolution | 70% and above |
| KYB completion time | From days to hours |
| Reconciliation exception closure time | 60% shorter |
Target ranges from comparable deployments; baseline and target are fixed together in the first week of the pilot.
Scenario-level approval rules plus the package’s general controls.
- Merchant operations assistant: POS, settlement, refund and limitRefund > 25,000 or limit increase > 50% → risk team approval
- Merchant KYB onboardingRisk tier high or UBO fuzzy match > 0.65 → compliance manager approval
- Payment reconciliation exceptionsSingle break > 10,000 or total > 50,000 → finance manager approval before adjustment
- AML transaction monitoring alert triageEvery alert → compliance analyst decision mandatory; the agent never files an STR or closes a case alone
- packageHigh refunds, limit increases and AML alerts always with the risk team
- packageCommunity cloud or the institution’s data centre; deployment aligned with payment regulation
- 1 · Process map · 2 weeksSignal sources, decision points and work-order systems mapped; the automatic-decision boundary and approval chain defined.
- 2 · Pilot · 4 weeksOne line, one region or one process; the agent prepares the recommendation, a person applies it; deviation and gain measured.
- 3 · Autonomous operationDecisions below the threshold run automatically, above it go to approval; shift reports and SLA dashboards live.
This package’s scenarios in the agent library
Merchant operations assistant: POS, settlement, refund and limit
The merchant writes on WhatsApp; POS fault, settlement query, refund and limit increase are resolved in one dialogue.
Merchant KYB onboarding
Registry, UBO and sanctions checks in one flow; low-risk merchants start accepting payments the same day.
Payment reconciliation exceptions
PSP settlement files matched to the ledger; small breaks fix themselves, large ones go to finance approval.
AML transaction monitoring alert triage
Alerts arrive enriched with a draft narrative; the analyst always decides and the filing goes out in minutes.
Time to move from experimenting with AI to transforming with it.
In a 30-minute discovery session we take your 2–3 priority business problems, show a live demo of a similar scenario, and draft a roadmap that starts with the Value layer.
- Your 2–3 priority problems
- Live demo of a similar scenario
- Roadmap starting with value analysis