Ant International expands merchant payment AI functions
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Antom Copilot is the world's first merchant payment service AI agent, launched in June 2024. It's built on Ant International's Alipay+ GenAI Cockpit, an AI-as-a-Service (AIaaS) platform that enables fintech companies and super apps to build AI-agentic and ultimately AI-native financial services.
Nearly 50% of SME clients of Antom do not actively respond to chargebacks. An industry first, the Chargeback AI Assistant offers a faster and more effective solution to the increasingly complex dispute settlement and revenue loss recovery issues for SMEs and e-commerce platforms.
The Chargeback AI Assistant builds a tailored response strategy based on automated case-by-case analysis to help merchants improve revenue control and customer service. It offers documentation support, success rate analysis, defence building, as well as post-case analysis. Pilot testing showed a 3 percentage point increase in win rates, while time spent on dispute resolution was reduced by 46%.
To ensure accuracy and reliability, the process includes merchant review and manual verification by Antom. Full automation is planned in future iterations.
Other updates include the ability to automatically recommend suitable payment methods, acquiring services and integration solutions based on merchant needs and Antom Copilot's analysis of industry trends and market conditions. It enables merchants to deploy localized payment methods more quickly and with less technical resources.
Antom Copilot 2.0 also offers AI-assisted onboarding that leverages multimodal LLM capabilities to extract merchant registration documents. In addition, merchants can now configure risk management settings using natural language prompts, making AI-powered anti-fraud tools more available and easier to manage.
Antom Copilot accelerates integration by over 90%, leveraging chain of thought (CoT) reasoning, standard operating procedure (SOP) automation, language (LUI) and graphical (GUI) user interfaces, and AI-driven code generation. It also achieves an average satisfaction rate of 90% in end-to-end issue resolution.
56% of the merchants using Antom's dashboard engaged with the embedded Antom Copilot during the first half of 2025. The most common questions they asked were about payment method coverage and supported currencies, industry-specific payment solutions, and recommended integration technologies.
'We're building AI tools that go beyond payment acquiring to address real operational needs for merchants,' said Gary Liu, General Manager of Antom, Ant International. 'With this latest upgrade, Antom Copilot continues to evolve into a payment partner to provide merchants with tailored solutions. This reflects Ant International's AI strategy to deliver trusted, industry-specific solutions that help businesses, especially SMEs, fully harness the benefits of technology to thrive.'
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