Paytic
Intelligent Components
Build, Run, Operate the Back-Office of Payments with AI
Trusted by banks, fintechs, processors, and enterprise merchants worldwide
Intelligent Components
Turning fragmented payment operations into intelligent, controlled and scalable execution
Dispute Resolution
AI-powered dispute intake that guides cardholders from filing to outcome
- AI-powered evidence gathering
- Step-by-step guided intake
- Real-time case tracking
Reconciliation
Automate complex reconciliation workflows across payment interfaces
- Multi-source matching
- Exception management
- Automated reporting
Card Schemes Compliance
Turn card scheme mandates into execution with agentic AI workflows
- Mandate impact analysis
- Compliance verification
- Automated test generation
Interface Monitoring
Detect anomalies before they become business incidents
- Historical pattern learning
- Real-time operational monitoring
- Investigation support
Network Fees
Optimize payment economics and manage network fees intelligently
- Fee calculation engine
- Cost optimization
- Scheme fee analytics
Data Intelligence
Transform payment data into actionable intelligence across your operations
- Cross-system analytics
- Trend detection
- Decision support
Payments Stack Modernization
Accelerate payments systems modernization with vertical AI agents
- Enterprise knowledge base
- Domain-aware workflows
- Toolchain integration
Real business outcomes
Reduction in reconciliation work
Less manual analysis & documentation
Productivity gains in modernization
Faster dispute resolution
Build. Run. Operate.
Build
Turn payments complexity into execution. We consolidate documentation, code, APIs, and transaction data to generate scope, specifications, tests, code, and migration strategies — enabling your teams to modernize better and faster
Run
Keep production reliable and compliant. AI agents trained on payments domain expertise monitor interfaces, detect anomalies early, and continuously verify that system behaviour stays aligned with card scheme mandates
Operate
Put payments intelligence to work across the back office. Automate manual operations, optimize payment economics, and scale reconciliation, reporting, disputes, and network fees with intelligent workflows
Client Voices
Hear from the financial institutions and fintechs transforming their payments operations with PayTic
“PayTic is the most efficient partner for Card Operations! They are fast to communicate and react to our needs, implementation is fast, no hidden costs and the solutions and tools are so useful in freeing our team from daily manual work.”
Eva Liparteliani
Payment Cards Team Manager, Satchel EU
“After implementing PayTic, we saw instant efficiency in our operations and a strong ROI within 2 months via savings on our Network Invoices. Expanding our contract to more modules was an easy decision.”
Amine Alaoui
Board Member and Managing Director, Bank of Africa
“We view PayTic as a key enabler to our ability to grow our business. As we add more card programs, we will be sure to have PayTic there to help us manage the back-office program functions.”
Susanne Rainhard
Payments Director, WFCU Credit Union
“PayTic delivered immediate efficiency across our reconciliation workflows, with a strong ROI in just two months. It was clear that this partnership strengthened our ability to scale.”
Nikolai von Moock-Tsipas
Chief Finance Officer, NymCard
“With PayTic, we achieved immediate clarity and control over our payment operations. The automation of reconciliations and exception handling delivered measurable efficiency gains and a rapid ROI.”
Issam El Ansari
Head Of Global Transaction Banking, BNI Madagascar
“We were able to get onboarded with the PayTic chargeback product within weeks. The ease of walking through a member dispute with a workflow that follows network requirements has made claim handling significantly easier and quicker.”
Kerwin Jorbina
Head of Engineering, Loop Financial
Hands-On Delivery
Our team has contributed to modernization programs across the globe, backed by hands-on experience from every corner of the banking technology ecosystem: banks, vendors, processors, and integrators
Payment Modernization
End-to-end advisory and delivery for core payment platform migrations, card management upgrades, and scheme connectivity
Integration & Deployment
Seamless integration of AI-powered components into existing infrastructure with minimal disruption to live operations
Strategic Advisory
Expert guidance on payment strategy, regulatory compliance, and technology roadmaps from seasoned industry practitioners
The Ambition Ahead
The payments industry is entering a new phase — one where domain expertise becomes encoded into intelligent systems and data powers how institutions build, run and operate
Where We Come From
We started with a simple mission: automate the payments back office. By turning manual workflows into software, we helped institutions eliminate manual work and bring structure to complex operations
What We Believe
Operational complexity must be absorbed by software. Domain expertise becomes encoded into intelligent systems. Data becomes the foundation for how institutions build, run and operate their payment platforms
Our Ambition
To build the operating system for how the payments back office is built, run and operated — creating a new champion for payments back-office automation
Outcomes Over Software
We are building a platform that delivers outcomes, not just software. A platform that harnesses the full power of payments data to power the next generation of payments infrastructure
This vision is powered by a leadership team with deep experience across the entire payments ecosystem — from fintech innovators to global banks, payment processors and technology providers, across Asia, Europe, the Middle East, Africa and the Americas
Powered by AI. Built by Experts.
Founded by payment experts who experienced the pain points firsthand,
Now solving them for the industry
Global Presence
Offices in UK, Canada, Morocco, and Abu Dhabi. Serving clients across Asia, Europe, Middle East, Africa, and the Americas
Domain Expertise
Our leadership team has built and operated payment systems from every angle — fintech innovators, global banks, processors, and technology providers
Enterprise-Grade
Bank-grade security, policy enforcement, and model orchestration so AI operates safely within regulated payment environments
Our Offices
London
United Kingdom
Paris
France
Charlottetown
Canada
Casablanca
Morocco
Abu Dhabi
UAE
Ready to transform your payments operations?
See how Paytic Intelligent Components can accelerate your payments lifecycle — from build to run to operate