Static rules cannot keep up.
Payments still run on brittle rules and manual thresholds. Meanwhile issuers, PSPs, fraud patterns, FX, and network conditions shift every hour. Static playbooks miss most of this movement.
Pillar8 replaces hand tuned rules with a self learning brain that observes every transaction and adapts payment decisions in real time.
Always learning
Every approval, decline, and retry feeds back into the model. Tomorrow’s decisions are informed by everything that happened today.
Context aware
Country, device, FOP, PSP, FX corridor, issuer behavior, and latency are treated as first class inputs, not filters added at the end.
Strategy aligned
The brain optimizes for conversion, cost, and risk according to the strategy you set, not a generic global rule set.
How the AI brain reasons about a transaction.
Pillar8 turns every transaction into a live decision engine. Signals feed specialized agents that collaborate to propose, challenge, and refine the best outcome for each payment.
Rich signals
Device and channel, country, FOP, PSP, fraud scores, FX corridor, issuer behavior, network conditions, and more. Every transaction is read as rich context, not a flat request.
Specialized AI agents
Agents focus on checkout, routing, fraud posture, 3DS, FX, and recovery. They suggest options, compare trade offs, and converge on the best move under your strategy.
Real-time decisions
For every transaction, Pillar8 outputs an optimized decision: which methods to show, which route to use, how to treat 3DS, and how to rescue failed attempts. The system updates its own beliefs as results come in.
Before, during, and after the transaction.
Pillar8 sees payments as a single continuous journey, not three disconnected tools. The same brain learns across checkout, routing, and recovery to lift performance end to end.
Checkout optimization
Show the right payment methods in the right order for each customer, country, and channel. Respect local preferences and reduce friction without manual A/B tests.
Routing and risk
Select PSP, routing path, and 3DS behavior based on live context. React to issuer shifts, corridor behavior, and latency in near real time instead of waiting for monthly analysis.
Recovery
When an attempt fails, the brain guides smart retries, alternative methods, and timing. Over time it learns which combinations truly bring revenue back for your traffic mix.
Private beta with selected merchants.
Pillar8 is working with a small group of merchants who want to push the frontier of payment intelligence. The goal is simple: prove measurable uplift, then scale what works.
As a design partner you get:
- Direct access to the founding team
- Guidance on where intelligence unlocks measurable value
- Early access to new agents and capabilities
- Custom reporting on how the brain learns from your traffic
About Pillar8.
Pillar8 is building the AI brain for payments, so merchants can move beyond static orchestration and into live, adaptive optimization.
The team has spent years building financial platforms, payment infrastructure, and decision engines at scale. Pillar8 combines that experience with modern AI to bring continuous learning into every transaction.
The company was founded in 2025 and operates in private beta from Israel with selected global merchants.
Book a conversation.
Share a few details about your payments stack and we will follow up with a short working session.
Email us at partners@pillar8.com with a short description of your payments stack and goals, and we’ll follow up with a working session.