Sutherland FinPay360: Agentic AI for Real-Time Payments

Modernize payments across processing, fraud, compliance, disputes and servicing—with intelligent operations, Agentic AI and deep payments expertise built for speed, resilience and scale.

Talk to Our Payment Experts

Payments Are Becoming Real-Time, Intelligent and Always On

Real-time rails are the new normal, fraud is industrializing, and tokenized money is arriving faster than most operating models can absorb. Payment leaders must modernize without losing ground on cost, compliance or customer trust.

Real-Time Rails, Real-Time Risk
FedNow, Faster Payments and A2A rails leave no room for manual review. Screening and repairs must be clearedclear in sub-second windows.

Escalating Fraud & FinCrime
Authorized push payment (APP) fraud, mule accounts and synthetic IDs are outrunning legacy fraud engines. Regulatory scrutiny and fines keep climbing.

Next-Gen Rails Readiness Gap
Stablecoins, tokenization and programmable payments are here. Most institutions lack the operational and regulatory readiness to support them.

Legacy Payment Systems
Outdated infrastructure limit the ability to integrate with new digital rails, API gateways, ISO 20022 formats, and real-time settlement platforms.

Sub-Optimal Payments CX
Failed transactions, lack of payment traceability, status queries and trace requests flood service teams. There is no real-time next-best-action and no 360-degree view.

Up to 70%

Faster payment repair and exception resolution

50%

Operational efficiency and productivity uplift

70%

Reduction in false positives for transaction monitoring

100%

Real-time payment and customer screening coverage

60%

Faster customer onboarding with 100% accurate KYC

50%

Faster, automated disputes and chargebacks, pre-integrated with card schemes

Sutherland FinPay360: End-to-End Payments Transformation

Sutherland FinPay360 is a platform-agnostic payments offering spanning the full payments lifecycle and multiple rails and segments. We combine deep payments expertise, modern operating models, Agentic AI, proprietary accelerators and a strong fintech ecosystem to help payment businesses modernize, scale and operate more efficiently.

Our operating model applies automation and Agentic AI to high-volume activities such as payment processing, screening, transaction monitoring, disputes and real-time repairs workflows, while experienced payments specialists manage complex exceptions, investigations, chargebacks, alert remediation and escalations.

AI-Native by Design
Agentic AI flows, GenAI copilots and conversational AI built into the operating model.

Built for Real-Time Payments
99% of payments screened in under 0.5 seconds, 24×7 across RTP, FedNow and A2A rails.

FinCrime Defense Layer
Thousands of watchlist sources and ML-powered smart alerts running around the clock. AI-powered models to monitor customer behavior and transactions. AI-powered models to monitor customer behavior and transactions

Next-Gen Rails Ready
Supports stablecoins, tokenization, wallets and programmable payments.

Sutherland FinPay: Al-Driven, E2E Payments Offering

Comprehensive payments offering across payment rails built on bedrock of domain, Al and Digital leveraging Sutherland IP and Industry Partnerships

Banks, Issuers & Merchant Banks

Modernize legacy operations and cut servicing cost with real-time readiness across disputes, compliance and fraud.

Agentic AI for Payments: Ready-to-Deploy Agents

A library of payments AI agents that plug straight into your operations. Each agent automates a high-volume task and escalates the judgment calls to your people.

AIPayment Processor Agent

Autonomously initiates remittances, transfers and payments from rules or instructions.

AIPayment Repair Agent

Fixes exceptions, auto-corrects field data and re-initiates straight-through processing.

AIFraud Manager Agent

Detects and mitigates payment fraud using real-time behavioral signals.

AIAML Screening Agent

Runs sanction screening and dynamic rule-tuning to cut false positives.

AITransaction Monitor Agent

Flags anomalies in real-time payments and triggers alert cases autonomously.

AICustomer Servicing Agent

Resolves payment inquiries, refund tracking and complaints through conversational AI.

E2E Coverage Across Your Entire Payments Value Chain

60%Reduction in manual effort

60%

Reduction in manual effort

45%Productivity Gains

45%

Productivity Gains Through Process Redesign and Automation

Fin AI Hub

Agentic AI framework, orchestrating payment agents across processing, screening, disputes and reconciliation.

Sentinel AI

Real-time monitoring and PCI DSS-compliant data protection with PII and PAN masking for payment operations.

ID Scan

AI identity verification with facial matching, document authentication and liveness detection to secure end to end payments journeys.

CX360

Payments intelligence platform delivering 100% interaction monitoring and predictive insight across the journey.

HelpTree

GenAI knowledge platform that surfaces SOPs and payment rules for faster, consistent resolution.

1. Assess & Design

Advisory maps the right automation and operating model to your objectives, from strategy to proof of concept.

2. Onboard & Verify

AI-led KYC, KYB and identity verification accelerate onboarding with accurate, compliant checks.

3. Process & Screen in Real Time

Sub-second screening, decisioning and agentic repairs keep straight-through processing high across every rail.

4. Detect & Investigate

The fraud and FinCrime defense layer monitors behavior 24×7 and speeds investigation and case handling.

5. Resolve & Optimize

AI-enabled disputes, chargebacks and reconciliation close the loop, with real-time dashboards for continuous improvement.

What Makes Sutherland Payments Different

Depth & Scale

7,400+ payments SMEs and 25+ payments clients across cards, banking payments and remittances. Delivered through a global multi-geo network.

AI-Led, Human-Governed

Automation on the volume, expert judgment on the exceptions. A durable operating model generic automation cannot match.

Outcome-Based Partnership

Risk-sharing and gainsharing models that tie our compensation to your savings, efficiency and CX gains.

Everest Group’s Payments Business Process Services (BPS)

Recognized as a Leader in PEAK Matrix® Assessment 2025

Real-time fraud and AML risk intelligence

AI-led KYC/KYB and screening data platform

AI-based disputes and chargeback platform

Composable, cloud-based banking components for open and secure payments.

Real-time noise cancellation and accent neutralization for payment contact centers.

Agentic AI platform combining conversational AI, generative AI and workflow automation.

Sutherland FinPay360:
Transform Payments for a Real-Time World

Payments Are Becoming Real-Time, Intelligent and Always On

Sutherland FinPay360: End-to-End Payments Transformation

Sutherland FinPay: Al-Driven, E2E Payments Offering