Navigating the Data Deluge: IXOPAY Unveils AI Solution for Fragmented Payment Systems

At Money20/20 Europe in Amsterdam, enterprise payments infrastructure provider IXOPAY launched a major platform enhancement aimed at solving merchant data silos. The new offering, called IXOPAY Payments Intelligence, transforms fragmented transaction logs into real-time operational insights.

Addressing Multi-PSP Fragmentation

As global brands increasingly adopt multiple payment service providers (PSPs) to improve resilience and negotiate better rates, they’re creating a complex data management challenge. Tracking performance across these systems requires significant manual effort from business intelligence teams who must extract, harmonize, and analyze data from disparate dashboards.

This fragmentation leads to several issues:

  • Missed revenue due to unseen transaction drops
  • Unchecked processing fees
  • Increased operational costs
  • Delayed insights for optimization

The IXOPAY Solution

The Payments Intelligence platform acts as a centralized, no-code orchestration layer that:

  • Ingests and cleans data from multiple PSPs
  • Translates complex metrics into actionable dashboards
  • Identifies anomalies and routing inefficiencies in real-time
  • Provides secure data sharing for internal teams

Complementing this is IXONav, an AI payments navigator built on large language models (LLMs). Users can query transaction performance using natural language and receive instant recommendations to optimize checkout pathways.

Key Features of the Platform

  • Payments Analytics: Unified view of key metrics across all payment sources
  • Anomaly Detection: Real-time alerts for unexpected drops or issues
  • Data Sharing: Secure access to clean transactional data for relevant teams
  • Monitoring & Risk Management: Automated fraud prevention and disruption mitigation
  • IXONav AI Assistant: Conversational interface for instant insights and optimization recommendations

According to CTO Jill Willard, “Merchants are drowning in payment data, but too often it’s trapped across fragmented systems. This solution gives them the immediate capability to uncover margin leaks and maximize checkouts.”