Payabli, the leading embedded payments and fintech infrastructure company, has announced a new generation of intelligent capabilities across its entire payments platform. Unlike other standalone AI payment solutions, Payabli architected intelligence into the foundation of its infrastructure from the ground up, training its own models on payments data to power every layer of the platform.
Payabli launched Amigo™, its AI agent suite, featuring Amigo Insights for instant payments answers.
Amigo Insights lets platform teams ask natural language questions about payment activity, funding, chargebacks, residuals, and merchant account demographics.
Additional Amigo capabilities in development include Amigo Risk, Amigo Chargebacks, Amigo Boarding, Amigo Underwriting, and Amigo Pricing and Billing.
Agentic Vendor Enablement automates vendor outreach during payout workflows; Agentic Vendor Enrichment auto-enriches merchant and vendor data.
Agent Skills and MCP Server let AI coding agents build integrations with Payabli in weeks instead of months.
The company built its platform on intelligence from the ground up, training its own models on payments data.
Payabli, the leading embedded payments and fintech infrastructure company, today announced a new generation of intelligent capabilities across its entire payments platform. Unlike other standalone AI payment solutions, Payabli architected intelligence into the foundation of its infrastructure from the ground up, training its own models on payments data to power every layer of the platform. Intelligence capabilities span across Pay In, Pay Out, and Pay Ops, giving vertical software companies smarter, more automated tools at every stage of the payments lifecycle.
At the center of the announcement is Amigo™, Payabli's new AI agent suite, which features Amigo Insights, an AI agent that gives platforms and their customers instant, account-specific answers to payments questions and real-time data, no support ticket required. Today, Payabli is also releasing Agentic Vendor Enablement and Agentic Vendor Enrichment. Agentic Site-Pay will be available later this quarter.
"Embedded payments have become a critical growth engine for vertical software companies, and Payabli has always given them strong payment operations to run them," said William Corbera, Co-Founder and Co-CEO of Payabli. "Now we are supercharging those operations with intelligence. We did not bolt AI onto our platform. We built our platform on intelligence. Every decision we make starts with intelligence at the core: from insights, onboarding, underwriting, risk, pricing and billing, and so much more."
The embedded payments market is entering a new phase, with 94% of enterprises planning to increase their investments in embedded finance. An embedded payments provider is no longer chosen solely for how well it moves money, but for how intelligently it helps run the business around that money, so teams spend less time chasing problems and more time growing revenue.
"As a SaaS company that offers embedded payments to our customers through our partnership with Payabli, we've struggled to have real-time insights into day-to-day data. Amigo has unlocked the ability to ask about trends across our customer base in application approval timelines, reasons applications get stuck, payment types being used, payments volume fluctuations and more. When we want to dive deeper into a specific customer, Amigo will drill down to a level that gets us immediate, actionable data to use in our operations. It's been a game changer to our use of the Payabli payments portal," said Lindsey Hulet, SVP of Operations, Builder Prime.
Payabli also announced the following additions to the Amigo suite, in development and rolling out through the remainder of 2026:
Amigo Risk: Continuously monitors transactions and surfaces potential issues across merchants before they escalate.
Amigo Chargebacks: Gathers supporting documentation and prepares draft dispute responses automatically.
Amigo Boarding: Guides merchants through onboarding and answers common questions in real time.
Amigo Underwriting: Assesses merchant risk and accelerates approval decisions with less manual review.
Amigo Pricing and Billing: Optimizes rates, automates fee calculation, and keeps residuals and statements accurate.
Beyond the Amigo suite, Payabli has been developing additional intelligence-powered capabilities:
Agentic Vendor Enablement automates vendor outreach during payout workflows and optimizes for higher monetized payouts, removing the manual work of managing vendor payment programs at scale.
Agentic Vendor Enrichment enriches merchant and vendor data automatically, helping platforms build proprietary vendor networks and make smarter payment and underwriting decisions without manual research.
Agent Skills and MCP Server let software partners point their own AI coding agents at Payabli to build integrations that follow Payabli's patterns automatically and query Payabli's documentation in natural language, compressing integration work from weeks into an agent-driven build.
Agentic Site-Pay, developed in partnership with Visa Intelligent Commerce, automates vendor payment workflows end-to-end, from vendor discovery through payment execution.
"The platforms we work with are asking one question right now: how do I run more revenue through the same team, the same infrastructure, the same operations," said Joseph Elias Phillips, Co-Founder and Co-CEO of Payabli. "Embedding intelligence directly into payments infrastructure is not a feature release. It is a step change in what software platforms can do with their payments business, and we are just getting started."
About Payabli
Payabli is the Intelligent Fintech Operating System for software platforms. If you're a software company, you're a fintech company — and Payabli is your operating system. Built by payments and SaaS veterans, Payabli gives platforms a single developer-friendly API spanning Pay In, Pay Out, and Pay Ops to embed, manage, and monetize financial services. Intelligence isn't a layer on top — it's the foundation, expressed through Amigo™, Payabli's native AI Agent Suite, and a growing set of capabilities that make payment operations smarter and more autonomous.
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