The financial infrastructure startup says its new tool can catch transaction failures and routing inefficiencies that human teams routinely miss — and fix them without waiting to be asked.
Yuno, the global payments infrastructure company, on Sunday introduced Payments Concierge, an autonomous AI agent designed to monitor, troubleshoot, and optimize a merchant’s payment operations around the clock.
The announcement, made at the HumanX conference, represents a departure from conventional payment dashboards and alert systems. Rather than notifying a payments team that something has gone wrong, Payments Concierge is built to detect problems and act on them in real time — adjusting routing rules, toggling payment providers on or off, and reordering checkout options to favor the method most likely to succeed.
The need for such automation, Yuno says, reflects the compounding costs of inaction. A single card issuer going offline can silently decline thousands of transactions before a team identifies the source. A misconfigured routing rule can quietly erode revenue for weeks. And diagnosing what happened — pulling raw data, running performance analyses, assembling reports — can consume hours of manual work.
Payments Concierge addresses each of those pain points. The tool surfaces interchange and scheme fees at the transaction level, giving merchants a granular view of what each payment actually costs and enabling routing decisions that balance approval rates against expense. Reporting tasks that previously took hours, the company says, can now be completed with a single prompt, whether the output needed is a detailed data breakdown or a board-ready summary.
The agent is accessible through WhatsApp, Telegram, WeChat, and Slack, and all automated actions operate within a merchant’s preconfigured security permissions.
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“Payment operations today are mostly reactive, with teams finding out something broke after the revenue is already lost,” said Juan Pablo Ortega, chief executive and co-founder of Yuno. “Payments Concierge catches issues humans can’t see, optimizes costs humans can’t track, and executes changes in real time.”
Yuno’s platform connects more than 1,000 payment methods and fraud tools through a unified API. Its clients include McDonald’s, Uber, GoFundMe, and Rappi.
Ortega is scheduled to speak at HumanX on Monday, leading a roundtable titled “When AI Becomes the Buyer” and joining a panel on building global financial infrastructure.
