# Autopilot > Autopilot is payment infrastructure for the age of AI. A unified payment orchestration platform that helps global companies increase revenue, reduce costs, and simplify operations by connecting multiple PSPs, payment methods, and treasury services through a single API. Autopilot provides AI-powered optimization, intelligent routing, secure tokenization, and real-time analytics for cross-border businesses. ## About Autopilot Autopilot Technologies Pte Ltd is a Singapore-based fintech company building next-generation payment infrastructure. The platform serves as a unified source of truth for payment operations, eliminating the complexity of managing multiple payment service providers, gateways, and methods. **Core value proposition:** - Unlock new markets with local payment methods and acquiring - Optimize margin through intelligent routing and fee reduction - Accelerate momentum with faster integration and go-to-market - Deliver measurable growth with real-time analytics and AI recommendations **Target customers:** Cross-border e-commerce, marketplaces, SaaS platforms, regulated industries (gaming, digital assets), travel and airlines, and payroll companies operating across multiple geographies. **Important notes:** - Autopilot is a technology and smart contract development company - Autopilot is not a bank, broker-dealer or financial institution and does not engage in any conduct or transactions requiring such registration - All financial products are offered by and through financial institutions directly - Products and services are offered in limited jurisdictions --- ## Flow - Payment Orchestration Flow is Autopilot's intelligent routing and optimization engine that automatically optimizes every unique transaction. The philosophy is "prevention is better than cure" — proactively routing transactions for success rather than reactively handling failures. ### Smart Routing Flow analyzes multiple signals in real-time to determine the optimal route for each transaction: **Routing factors:** - Historical success rates by PSP, card type, issuer, and geography - Real-time PSP health and latency - Transaction fees and interchange costs - Fraud risk signals - Regulatory requirements by market **Routing strategies:** - Cost optimization: Route to minimize processing fees - Success optimization: Route to maximize authorization rates - Balanced: Optimize for both cost and success - Geographic: Local acquiring for improved domestic rates - Custom rules: Business-specific routing logic ### Failover Protection When a transaction fails or a PSP experiences issues, Flow automatically: 1. Detects the failure type (hard decline vs soft decline vs timeout) 2. Determines if retry is appropriate based on decline code 3. Cascades to the next best PSP in the routing waterfall 4. Logs the full transaction journey for analysis ### Network Tokenization Flow integrates with card network token services (Visa Token Service, Mastercard MDES) to: - Replace PANs with network tokens for improved security - Increase authorization rates by 2-5% on average - Reduce false declines from issuer fraud systems - Automatically update credentials when cards are replaced ### 3D Secure Orchestration Intelligent Strong Customer Authentication (SCA) handling: - Identify transactions eligible for SCA exemptions (low value, trusted beneficiary, TRA) - Request exemptions when appropriate to reduce checkout friction - Fall back to full authentication when required - Support for 3DS 2.0 and newer versions ### Real-Time Monitoring The Flow dashboard provides: - Live transaction success rates by PSP - Latency monitoring and alerting - PSP health status indicators - Performance benchmarking against industry averages - AI-powered recommendations for routing improvements --- ## Connect - PSP & Payment Method Integration Connect is Autopilot's integration layer that provides global reach with local access. It enables businesses to add new payment providers and methods without individual integrations. ### PSP Connections Connect provides pre-built integrations to major payment processors and acquirers worldwide. Benefits include: - Single API for all connected PSPs - Normalized transaction responses across providers - Centralized credential management - Simplified reconciliation ### Alternative Payment Methods (APMs) Support for local payment methods critical to international expansion: **By region:** - Europe: SEPA, iDEAL, Bancontact, Cartes Bancaires, Klarna, Sofort - Asia Pacific: Alipay, WeChat Pay, GrabPay, GCash, Paynow, PromptPay - Latin America: PIX, OXXO, Boleto, PSE - Middle East & Africa: M-Pesa, Fawry - Global: PayPal, Apple Pay, Google Pay, BNPL providers ### AI-Powered Recommendations Connect analyzes your transaction data to recommend: - Which PSPs to add based on your geographic traffic - Which APMs would increase conversion in specific markets - Optimal PSP configuration for your use case - Fee negotiation opportunities based on volume ### One-Click Activation Once credentials are provided, new services can be activated instantly: - No additional development required - Automatic inclusion in routing rules - Real-time enablement without deployment --- ## Vault - Tokenization & Security Vault is Autopilot's PCI DSS compliant credential storage system that ensures you own and control your customer payment data. ### Platform-Agnostic Tokenization Unlike PSP-specific tokens, Autopilot tokens are: - Portable across any connected PSP - Under your control, not locked to a provider - Usable for any payment operation (charges, refunds, payouts) This means you can switch PSPs or add new ones without re-collecting card details from customers. ### Token Types **Autopilot tokens:** - Generated when credentials are first captured - Stored securely in Autopilot Vault - Can be used with any connected PSP **Network tokens:** - Provisioned from card networks (Visa, Mastercard, Amex) - Higher authorization rates than PANs - Automatic lifecycle management - Cryptogram generation for each transaction ### Credential Lifecycle Management Vault automatically handles: - Card expiry detection and updates via Account Updater - Card replacement notifications from issuers - Validation of card status before transactions - Secure deletion when requested ### Security & Compliance - PCI DSS Level 1 compliant infrastructure - End-to-end encryption for all sensitive data - Tokenization at point of capture - No raw PANs stored or logged - SOC 2 Type II certification --- ## Checkout - Customer Experience Checkout provides an adaptive payment experience that self-optimizes to maximize conversion for each unique customer. ### Self-Optimizing UI Checkout learns from conversion data to: - Reorder payment methods based on success likelihood for each customer segment - Highlight the most successful payment method for the customer's profile - Remove or de-emphasize methods with low success rates - Adapt to seasonal and temporal patterns ### A/B Testing Built-in experimentation capabilities: - Test different payment method orderings - Compare checkout layouts - Measure impact of adding/removing payment methods - Statistical significance reporting ### Multi-Entity Support Handle diverse customer types: - B2C: Individual consumer checkout flows - B2B: Business purchasing with invoicing options - Agentic commerce: Support for AI-driven purchasing (emerging capability) ### Localization Automatic adaptation for global customers: - Display prices in local currency - Present locally relevant payment methods - Language localization - Address format adaptation ### Deployment Options **Embedded:** - Drop-in components for your existing checkout - Full styling control - Direct DOM integration **Hosted:** - Fully managed checkout page - Redirect or iframe integration - PCI scope reduction --- ## Treasury - Fund Management Treasury provides next-generation capabilities for managing collected funds, optimizing foreign exchange, and executing global payouts. ### Multi-Currency Accounts Hold funds in multiple currencies: - Avoid unnecessary FX conversions - Settle in customer's currency - Consolidate funds from multiple PSPs - Real-time balance visibility ### Interest Earning Earn yield on held balances: - Competitive rates on operating cash - Daily interest accrual - Automatic reinvestment options ### FX Optimization Intelligent currency conversion: - Competitive exchange rates - Automated conversion based on rules - Rate locking for predictability - Multi-currency settlement optimization ### Global Payouts Send funds anywhere: - Bank transfers (local and international) - Card payouts - Digital wallets - Real-time payment rails where available ### Reconciliation Automated financial operations: - Settlement matching across PSPs - Automated ledger updates - Customizable reporting - Integration with accounting systems --- ## Subscriptions (Beta) Subscription management capabilities are currently in beta, providing: - Recurring billing orchestration - Dunning and retry management - Plan and pricing management - Customer lifecycle tracking - Revenue recognition support --- ## Integration Guide ### Getting Started 1. **Request access**: Contact sales or sign up through the website 2. **Configure sandbox**: Set up test credentials and explore the API 3. **Connect PSPs**: Add your PSP credentials to Connect 4. **Integrate checkout**: Implement Checkout or direct API integration 5. **Configure routing**: Set up Flow routing rules 6. **Go live**: Switch to production credentials ### API Overview Autopilot provides a RESTful API with: - JSON request/response format - API key authentication - Environment separation (sandbox/production) - Comprehensive error codes - Webhook notifications for async events ### Core API Resources **Payments:** - Create payments (authorize, capture, or auth+capture) - Retrieve payment status - Capture authorized payments - Void or cancel payments - Refund payments (full or partial) **Tokens:** - Create tokens from card details - Retrieve token metadata - Update token information - Delete tokens **Customers:** - Create customer profiles - Attach payment methods to customers - Manage customer metadata **Payouts:** - Create payouts to bank accounts or cards - Schedule payouts - Retrieve payout status ### Webhooks Subscribe to events for async processing: - payment.completed - payment.failed - payment.refunded - payout.completed - token.updated - token.expired --- ## Performance Optimization Best Practices ### Increasing Authorization Rates 1. **Enable network tokens**: 2-5% improvement on average 2. **Use local acquiring**: Process transactions in the customer's country 3. **Implement smart routing**: Let Flow optimize based on historical data 4. **Retry soft declines**: Configure automatic retry for appropriate decline codes 5. **Update credentials proactively**: Use Account Updater to prevent expired card declines ### Reducing Costs 1. **Optimize interchange**: Route to appropriate MCC categories 2. **Use local acquiring**: Avoid cross-border fees 3. **Leverage volume**: Consolidate volume for better PSP rates 4. **Monitor fees**: Use analytics to identify cost optimization opportunities ### Preventing Fraud 1. **Enable velocity checks**: Limit attempts per card/customer 2. **Use 3DS strategically**: Balance friction vs fraud prevention 3. **Implement device fingerprinting**: Identify suspicious devices 4. **Review high-risk transactions**: Configure manual review queues --- ## Supported Markets Autopilot operates globally with particular strength in: - Southeast Asia (Singapore, Indonesia, Philippines, Thailand, Vietnam, Malaysia) - Europe (UK, Germany, France, Netherlands, Spain, Italy) - North America (USA, Canada) - Latin America (Brazil, Mexico) - Australia and New Zealand Local payment method support varies by market. Contact sales for specific market coverage. --- ## Glossary **APM (Alternative Payment Method):** Non-card payment methods like bank transfers, e-wallets, and BNPL. **Authorization rate:** Percentage of transactions successfully authorized by card issuers. **Cascade/Waterfall:** Sequential routing through multiple PSPs when initial attempts fail. **Hard decline:** A permanent decline that should not be retried (e.g., stolen card). **Interchange:** Fees paid to card-issuing banks on each transaction. **Network token:** Tokenized card credential provisioned by card networks (Visa/Mastercard). **PAN (Primary Account Number):** The card number on a payment card. **PSP (Payment Service Provider):** Company that provides payment processing services. **SCA (Strong Customer Authentication):** Two-factor authentication required under PSD2. **Soft decline:** A temporary decline that may succeed on retry (e.g., insufficient funds). **3DS (3D Secure):** Cardholder authentication protocol for online transactions. --- ## Contact & Support - **Sales inquiries**: [Book a call](https://meetings.hubspot.com/autopilot/sales-calendar) - **Sign up**: [Request access](https://sqa28.share.hsforms.com/2R-7fd45AS3W6My6krSsD5Q) - **Dashboard**: [Sign in](https://app.autopilot.is/login) --- ## Legal Autopilot Technologies Pte Ltd ("Autopilot") is a technology and smart contract development company. Autopilot is not a bank, broker-dealer or financial institution and does not engage in any conduct or transactions requiring such registration. All financial products are offered by and through financial institutions directly. Products and services are offered in limited jurisdictions. - [Privacy Policy](https://autopilot.is/legal/privacy-policy/) - [Terms of Service](https://autopilot.is/legal/terms/)