Guide
AI payments strategy
Use AI to accelerate analysis and writing — without leaking secrets or following untrusted inputs.
Use this with your internal working group
Bring this guide into your AI in payments discussions, then use a 45‑minute working session to turn it into a concrete plan for your stack.
Where AI helps
- Turning raw notes and metrics into structured strategy docs and rollout plans
- Drafting stakeholder updates, decision memos, and experiment templates
- Summarizing RFP responses into scorecard-ready bullets
- Generating hypothesis lists and “what to instrument next” checklists
Guardrails
- No secrets or credentials: API keys, configs, internal URLs, private dashboards
- No customer PII: names, emails, addresses, PANs, bank details, device identifiers
- Human review required for anything that becomes a decision or a customer-facing change
- Require assumptions and confidence notes; verify claims with primary sources
- Keep artifacts auditable: link to metrics and change logs
When to use AI
- Summarising complex inputs into a first draft of a strategy or memo
- Exploring scenarios and edge cases before you commit to an experiment
- Translating technical details into stakeholder‑ready narratives and checklists
When not to use AI
- Final pricing decisions, contracts, or legal language
- Regulatory or tax interpretations without counsel sign-off
- Production incident decisions in the middle of an active outage
- Anything that would bypass existing risk or approval processes
Practical starter checklist
- Define 5 core metrics: auth rate, cost per successful payment, dispute rate, refund rate, ops load
- Create a decline taxonomy and map it to interventions (routing, retries, issuer comms, 3DS)
- Write an experiment template: hypothesis → instrumentation → rollout → success criteria
- Build a provider decision log and scorecard template (requirements + tradeoffs)
- Document an incident playbook and on-call checklist for payments issues
Next step
Start with the assessment (even if you don’t submit it yet) to structure your context, or reach out and we’ll recommend a next step.