VoltPay — AI Engineering
Category
Fintech
Service
AI Engineering
Year
2025
Challenge
Lift approval rates while cutting fraud ops workload.
High false-positive declines on returning customers and VIP BINs, fragmented data across Stripe/Adyen logs and an internal ledger, and slow manual reviews. Required PCI-aligned handling, auditable decisions, and checkout p95 ≤ 700 ms with <2 hrs/week of client management.
Solution
Embedded an AI decisioning layer with RAG and function calls at checkout.
Built a feature store and retrieval over dispute notes/policies; added device graph, velocity, AVS/CVV, and geolocation checks; shipped explainable scores with guardrails and per-merchant thresholds. Rolled out via shadow testing → staged canaries, with dashboards and audit logs for zero-drama ops.
Impact
+6.4%
Approval Lift
–32%
Manual Reviews
540 ms
p95 Latency
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