routeflux-io/payflow-ai

PayFlow AI is an intelligent payment recovery and optimization system that detects failed transactions, predicts optimal retry strategies, and intelligently routes payments to improve transaction success rates across African payment systems. # PayFlow AI PayFlow AI is an intelligent payment recovery and optimization platform designed to improve transaction success rates across African payment systems. The platform detects failed transactions in real time, analyzes failure patterns, and uses AI-driven decision logic to automatically retry payments using optimized timing or routing strategies. By introducing an intelligent recovery layer on top of existing payment infrastructure, PayFlow AI helps businesses reduce revenue loss, improves user trust in digital payments, and enhances overall payment reliability within the ecosystem. ``` Built by RouteFlux for the Interswitch x Enyata Buildathon 2026. ``` --- ## 🚨 Problem Statement ```markdown Digital payments across Africa frequently fail due to network instability, bank downtime, and transaction timeouts. When payments fail: - Users retry manually - Merchants lose revenue - Trust in digital payments decreases Existing payment systems stop at failure. PayFlow AI introduces an intelligent recovery layer that improves payment success rates automatically. ``` --- ## 💡 Solution Overview ```markdown PayFlow AI detects failed transactions in real time, analyzes failure patterns, and intelligently retries payments using optimized timing and routing strategies. The system increases transaction success rates while providing merchants with recovery analytics and payment reliability insights. ``` --- ## ⚙️ Key Features ```markdown - Intelligent payment failure detection - AI-powered retry decision engine - Smart payment routing logic - Automated recovery workflows - Merchant analytics dashboard - Payment success rate insights ``` --- ## 🧠 How AI Is Used ```markdown PayFlow AI uses decision intelligence to: - Analyze failure patterns - Predict optimal retry timing - Recommend the most reliable payment route - Improve recovery success over time ``` --- ## 🏗 Architecture Overview Simple diagram or explanation: ```markdown User → Merchant App → PayFlow …