Ant International upgrades Antom Copilot for merchant payments

Ant International has upgraded Antom Copilot, its AI tool for merchant payment and operations management, with new automation and monitoring features.

Antom provides merchant payment and digitization services.

The updated Antom Copilot now supports the entire payment lifecycle, including onboarding, integration, dispute handling, risk control, and payment success rate operation.

The tool uses domain-trained AI and enhanced dialogue capabilities to help merchants manage complex payment processes and respond to operational issues more quickly.

Ant International said that within a year of Copilot’s 2024 launch, 72% of its merchants completed self-service integration using the tool.

The company also claimed Copilot reduced payment integration time by 90% and improved dispute-handling efficiency by 46%.

🔗 Source: Ant International

🧠 Food for thought

Implications, context, and why it matters.

Third-party developers can build vendor agnostic payment orchestration tools

Antom APIs (Application Programming Interfaces) cover integration and dispute management 2 3. Software providers and Independent Software Vendors (ISVs) can build vendor agnostic orchestration layers to route transactions across many payment providers. These tools can combine Antom with competing gateways and give merchants one dashboard with switching options.
EPOS360 combines POS (Point of Sale) systems, payments, banking, and lending for SMEs (Small and Medium-sized Enterprises). Developers building vertical SaaS (Software as a Service tailored to a specific industry) for retail or hospitality can plug in Antom embedded finance features 4 to embed payments or lending inside their apps. That lets them capture margin on payment volume without running core payments infrastructure.
Antom notifyPayment API exposes fields like grossSettlementAmount and settlementQuote 3. These fields tell merchants what they receive after fees and the rate used for currency conversion. Fintech startups focused on treasury management or cash flow forecasting can ingest Antom transaction streams to deliver real time liquidity analytics for SMEs. For context, Alipay+, a cross border payments network that connects digital wallets to merchants, links 1.6 billion user accounts to over 90 million merchants across 66 markets 1.