EP.04 | AI agents that fix payment acceptance

Why do good transactions still get declined? Arthur Bedel explains that most of the AI in payments today is still manual: hand-built decision trees that are never fully mapped, decline codes that say too little, and blind retries inside a black box. What comes next is an agentic workforce, AI agents that work like team members and whose whole job is to improve acceptance, reduce fraud, manage chargebacks and optimize checkout in real time, personalized for each transaction. For PSPs and their merchants, acceptance logic stops being hard-coded and starts learning.