ChatGPT can do so much, can it route payments?

AI systems such as ChatGPT combine natural language processing, machine learning, and generative AI to interpret prompts, identify patterns in data, and present responses in human-like language, but their probability-based outputs can sometimes be inaccurate. This pattern-oriented approach may be useful for payment orchestration, where merchants using multiple payment service providers can employ custom AI models to assess transaction factors, contracts, fees, volume commitments, and real-time data to select a likely optimal routing option. Unlike static rule-based programs that require manual updates, an AI decisioning engine could continuously adapt to changing approval rates, costs, and transaction patterns. The approach is particularly relevant when paired with a programmable token vault, which can securely store payment details outside a merchant’s core PCI-DSS environment, support repeat purchases, enable additional security checks, and allow merchants to route payments among providers based on factors such as geography, payment method, processing fees, and currency conversion.

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