Antom, Ant International’s merchant payment and digitization services provider, has announced a significant upgrade to its Antom Copilot AI agent, expanding its capabilities across payment integration, onboarding, risk configuration, and chargeback solutions. Antom Copilot, launched in June 2024 as the world’s first merchant payment service AI agent, is built on Ant International’s Alipay+ GenAI Cockpit, an AI-as-a-Service (AIaaS) platform designed to enable fintech companies and super apps to develop AI-agentic financial services.
Among the key enhancements is the introduction of the Chargeback AI Assistant, an industry-first solution addressing the challenge of dispute settlement and revenue loss for SMEs and e-commerce platforms. Data indicates that nearly 50% of Antom’s SME clients do not actively respond to chargebacks. The new assistant generates tailored response strategies based on automated, case-by-case analysis, offering documentation support, success rate analysis, defense building, and post-case analysis. Pilot tests demonstrated a 3 percentage point increase in chargeback win rates and a 46% reduction in time spent on dispute resolution. The process currently includes merchant review and manual verification by Antom, with plans for full automation in future iterations.
Additional updates to Antom Copilot include the ability to automatically recommend suitable payment methods, acquiring services, and integration solutions. These recommendations are based on merchant needs and Antom Copilot’s analysis of industry trends and market conditions, facilitating faster deployment of localized payment methods with reduced technical resources. Antom Copilot 2.0 also introduces AI-assisted onboarding, utilizing multimodal Large Language Model (LLM) capabilities to extract merchant registration documents. Furthermore, merchants can now configure risk management settings using natural language prompts, making AI-powered anti-fraud tools more accessible.
Antom Copilot is reported to accelerate integration by over 90%, leveraging technologies such as chain of thought (CoT) reasoning, standard operating procedure (SOP) automation, language (LUI) and graphical (GUI) user interfaces, and AI-driven code generation. The platform has achieved an average satisfaction rate of 90% in end-to-end issue resolution. During the first half of 2025, 56% of merchants using Antom’s dashboard engaged with the embedded Antom Copilot. Common inquiries included payment method coverage, supported currencies, industry-specific payment solutions, and recommended integration technologies.
Gary Liu, General Manager of Antom, stated, “We’re building AI tools that go beyond payment acquiring to address real operational needs for merchants. 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.”
Antom, a division of Ant International, provides unified, vertical-specific digital payment solutions for businesses globally. It enables merchants to integrate over 300 payment methods, connect with consumers in more than 200 markets, and accept payments in over 100 currencies. Beyond payments, Antom offers digital marketing and merchant digitization services aimed at streamlining operations and enhancing customer engagement.
