Payabli, an embedded payments and fintech infrastructure company, has announced a new generation of intelligent capabilities spanning its entire payments platform. Unlike standalone AI payment solutions, Payabli says it architected intelligence into the foundation of its infrastructure from the ground up, training its own models on payments data to power every layer of the platform. The intelligence capabilities cover Pay In, Pay Out, and Pay Ops, providing vertical software companies with automated tools across the payments lifecycle.

At the center of the announcement is Amigo, Payabli's new AI agent suite. Its first product, Amigo Insights, is now live in the Payabli Portal and delivers instant, account-specific answers to payments questions using real-time data, eliminating the need for support tickets. Alongside Amigo Insights, Payabli is releasing Agentic Vendor Enablement and Agentic Vendor Enrichment. Agentic Site-Pay will follow later this quarter.

"Embedded payments have become a critical growth engine for vertical software companies, and Payabli has always given them strong payment operations to run them," said William Corbera, Co-Founder and Co-CEO of Payabli. "Now we are supercharging those operations with intelligence. We did not bolt AI onto our platform. We built our platform on intelligence. Every decision we make starts with intelligence at the core: from insights, onboarding, underwriting, risk, pricing and billing, and so much more."

The embedded payments market is entering a new phase, with 94% of enterprises planning to increase their investments in embedded finance. For vertical SaaS platforms — software built for specific industries like home services, healthcare, or hospitality — payments monetization has evolved from an add-on to a core revenue line, with platforms typically earning a share of transaction volume processed through their applications. The selection of an embedded payments provider is increasingly driven not solely by how efficiently it moves money, but by how intelligently it helps businesses operate around that money — allowing teams to spend less time resolving issues and more time growing revenue.

"The platforms we work with are asking one question right now: how do I run more revenue through the same team, the same infrastructure, the same operations," said Joseph Elias Phillips, Co-Founder and Co-CEO of Payabli. "Embedding intelligence directly into payments infrastructure is not a feature release. It is a step change in what software platforms can do with their payments business, and we are just getting started."

Amigo: Instant Intelligence Across Every Payment Workflow

Amigo is Payabli's native AI agent suite, and Amigo Insights is its first product, now live in the Payabli Portal. With Amigo Insights, platform teams can ask natural-language questions about payment activity, funding status, chargebacks, residuals, merchant account demographics, platform performance, support tickets, integration options, and more. Instead of building reports, writing queries, or opening support tickets, users receive immediate answers powered by their own live payments data.

"As a SaaS company that offers embedded payments to our customers through our partnership with Payabli, we've struggled to have real-time insights into day-to-day data. Amigo has unlocked the ability to ask about trends across our customer base in application approval timelines, reasons applications get stuck, payment types being used, payments volume fluctuations and more. When we want to dive deeper into a specific customer, Amigo will drill down to a level that gets us immediate, actionable data to use in our operations. It's been a game changer to our use of the Payabli payments portal," said Lindsey Hulet, SVP of Operations, Builder Prime.

Payabli also announced the following additions to the Amigo suite, in development and rolling out through the remainder of 2026:

• Amigo Risk continuously monitors transactions and surfaces potential issues across merchants before they escalate.
• Amigo Chargebacks gathers supporting documentation and prepares draft dispute responses automatically.
• Amigo Boarding guides merchants through onboarding and answers common questions in real time.
• Amigo Underwriting assesses merchant risk and accelerates approval decisions with less manual review.
• Amigo Pricing and Billing optimizes rates, automates fee calculation, and keeps residuals and statements accurate.

Additional Intelligence-Powered Capabilities

Beyond the Amigo suite, Payabli has been developing further intelligence-powered capabilities:

• Agentic Vendor Enablement automates vendor outreach during payout workflows and optimizes for higher monetized payouts, removing the manual work of managing vendor payment programs at scale.
• Agentic Vendor Enrichment enriches merchant and vendor data automatically, helping platforms build proprietary vendor networks and make smarter payment and underwriting decisions without manual research.
• Agent Skills and MCP Server let software partners point their own AI coding agents at Payabli to build integrations that follow Payabli's patterns automatically and query Payabli's documentation in natural language, compressing integration work from weeks into an agent-driven build. MCP, or Model Context Protocol, is an open standard introduced by Anthropic in late 2024 that standardizes how AI models connect to external data sources and tools.
• Agentic Site-Pay, developed in partnership with Visa Intelligent Commerce, automates vendor payment workflows end-to-end, from vendor discovery through payment execution.

Payabli enables vertical SaaS platforms to embed and monetize financial services by pointing their AI coding agents at Payabli's Agent Skills and MCP server, turning weeks of integration work into a guided build so any platform can monetize every fintech rail powered by intelligence.

Amigo Insights, Agentic Vendor Enablement, and Agentic Vendor Enrichment are available today through the Payabli Portal and APIs. Other additions to the Amigo suite are in development and will be rolled out over the remainder of 2026.