Runs inside your existing ticketing tools
For PSPs, fintechs, banks, and enterprises
Paygent automates manual payment investigations end to end
Automatically investigate and resolve failed, delayed, and stuck bank transfers inside your existing ticketing tools.
Non-receipt Claims
Payment exceptions overwhelm ops and support teams
A single payment issue can create disproportionate work, risk, and frustration across the org.
Payment exceptions require dedicated support capacity
Organizations must allocate support and ops resources to investigate failed, delayed, and missing transfers. Over time, exception handling becomes a permanent cost center.
A single payment issue often stretches across many days and handoffs
Resolving stuck payments is manual work: querying PSPs, requesting statements, drafting emails, and chasing responses. Each delay keeps cases open longer.
Exception backlogs grow faster than payment volume
As you add new destinations and currencies, you introduce new integrations and exception paths. That complexity forces you to hire more support analysts and payops staff just to keep up with the queue.
“Please wait three more business days” isn’t a resolution
When money is at risk, users expect clarity. Identify the issue, explain it clearly, and automatically message the right team at the right bank in the chain to move the payment forward.
Paygent
Automatically resolve payment exceptions across complex payment flows
Paygent analyzes payment instructions and transaction context against banking rules and practices to identify root causes and automatically execute the appropriate resolution steps for each case.
integration effort
Natively runs in Jira and equivalent platforms
reduction
in manual work per ticket
fewer
bank transfer-related complaints
1
Create a payment exception ticket
Create a ticket in Jira, Linear, or your own system with the relevant payment details. Tickets can be created automatically or manually, and Paygent can be triggered via tagging or configured integrations.
2
Analyze the payment and identify the root cause
Paygent analyzes the payment context using available transfer data, including payment instructions, provider responses, user requests, and current status. It applies investigation logic across standard and non-standard bank payment flows to identify the underlying issue.
3
Execute and close the loop
Paygent executes the required follow-up actions based on the identified issue, either automatically or with agent oversight. This includes sending amendments, recalls, and status inquiries, coordinating with users, sending, intermediary, and beneficiary banks, and updating the ticket until resolution or closure.
How Paygent resolves real payment exceptions
Examples from bank transfer investigations
MISSING CREDITOR ADDRESS
Critical payment returned
A SEPA transfer from a UK-based PSP was returned with a generic return reason. Paygent identified a missing creditor address that was insufficient for WTR/FTR compliance. It prepared a ticket with the required fix, summarized the issue for the user, and drafted a message to the beneficiary bank to confirm the root cause while the internal fix was in progress.
Intermediary Fees
Transfer to closed account with a fee
A GBP 3,000 transfer to a closed US bank account was returned with a significant intermediary fee applied. Paygent explained the issue and fee to the user, asked the sending PSP to identify the correspondent bank(s) that applied the charge, and requested updated GBP–US routing to avoid similar fees in future transfers.
Stuck transfer
Amendment request
The transfer to South Africa was pending beyond the value date due to a beneficiary account number failing checksum validation, identified by Paygent. It prepared a ticket to correct the validation issue, asked the user on whether to update the details or recall the payment, and sent an amendment request to the beneficiary bank, resulting in successful settlement.