Sutherland FinPay360: Autonomous Payments Operations Without Rip-and-Replace

The Future of Payments Operations Is Autonomous

Real-time rails are the new normal, fraud is industrializing, and tokenized money is arriving faster than most operating models can absorb. Payment leaders need operations that decide, act and correct themselves in real time, without a multi-year core replacement putting cost, compliance or customer trust at risk.

Real-Time Rails, Real-Time Risk
FedNow, Faster Payments and A2A rails leave no room for manual review. Screening and repairs must be cleared 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. Fraud caught after the payment has left is fraud you are already paying for.

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Outdated infrastructure limits the ability to integrate with new digital rails, API gateways, ISO 20022 formats, and real-time settlement platforms. Replacing it outright is slow, expensive and risky.

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.

Payment processing, repairs and exception handling
Real-time sanctions screening and transaction monitoring
Card disputes and chargebacks under Regulation E and Z
Omnichannel payments servicing

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

Payment processing, repairs and exception handling
Real-time sanctions screening and transaction monitoring
Card disputes and chargebacks under Regulation E and Z
Omnichannel payments servicing

Agentic AI for Payments: Agents That Run the Workflow, Not Just the Task

This is not a bolt-on bot. Each FinPay360 agent takes ownership of a complete payments workflow on top of your existing systems: it picks up the trigger, gathers data across platforms, decides, acts and records an audit trail. When a case needs judgment, it hands over to a payments specialist with the work already done. The result is an operating model that runs itself on routine volume and gets sharper with every exception.

Modernize in Place

Connects to the systems you already run. No core replacement, no big-bang cutover. Each workflow is orchestrated and automated in turn.

40%Faster dispute resolution

40%

Faster dispute resolution for a leading financial services provider offering credit cards & personal loans.

10%CSAT Uplift for a Global Fintech & Payments Company

10%

CSAT Uplift for a Global Fintech & Payments Company

70%Reduction in manual KYC refresh effort

70%

Reduction in manual KYC refresh effort for a leading private bank

30%Faster payment processing

30%

Faster payment processing for a global fintech giant

FinAI Hub

Agentic AI framework with 90+ AI agents, 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. We map your existing systems and workflows first, so the orchestration layer is designed around what you already run.

2. Onboard & Verify

AI-led KYC, KYB and identity verification accelerate onboarding with accurate, compliant checks. This is also the first line of fraud defense.

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. Insights from every resolved case flow back into stages 2 to 4.

Real-time fraud and AML risk intelligence

AI-led KYC/KYB and screening data platform

No-code platform automating client onboarding, KYC/KYB and client lifecycle management

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.

What Makes Sutherland Payments Different

Modernize Without Rip-and-Replace

An orchestration layer on top of your current stack, delivered in phases. Value from the first workflow, not after a multi-year replacement.

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.

Sutherland FinPay360:
Transform Payments for a Real-Time World

The Future of Payments Operations Is Autonomous

Sutherland FinPay360: End-to-End Payments Transformation

Sutherland FinPay: Al-Driven, E2E Payments Offering