# Congrify's payments observability and intelligence🚀 --- Congrify (an IXOPAY company), is an AI-powered Payments Intelligence solution transforming how businesses understand and optimize their payment operations. We empower merchants and platforms to optimize performance, gain real-time visibility, and proactively mitigate risks through AI-driven insights and automation. With a focus on innovation and data reliability, Congrify turns complex, fragmented payment data into actionable intelligence and confident decisions. ## Why a solution like Congrify? The payments industry is complex, fragmented, and increasingly prone to inefficiencies and risks. Merchants and platforms struggle with siloed data across multiple providers, limited visibility into performance drivers, and delayed detection of issues such as failures, fraud, or revenue leakage. Congrify addresses these challenges by unifying payment data, delivering real-time observability, and providing AI-driven insights that explain the “why” behind performance. By enabling faster, smarter decision-making and proactive optimization, Congrify ensures businesses can stay in control, improve payment outcomes, and scale with confidence in an evolving payments landscape. ## 🔍 Our solution We offer a modular solution that enables businesses to easily access data, insights, intelligence, and tools for operational excellence in payments management. As a start, we have been focusing on building the core infrastructure of our solution, connecting to multiple payment data sources to ingest data. This is a seamless process that users can enable in our front-end application. ### Payment Data pipelines We allow data-sharing in synchronization with Databases or via file sharing with S3. As of today, we have integrated Snowflake, and we are published on their marketplace. We are planning to add more ways to share data (e.g., AWS Redshift, Databricks). We also offer Unified Reports used for fee and cost management. ### Payments observability Businesses can access our online platform to easily sign-in and create an account where they can configure the available payment service providers and data connections in a no-code mode by just providing Reporting API or SFTP credentials. Our payments observability platform provides access to insights on Authorization rates, transaction declines, Sales, Refunds, Chargebacks, Fees, and Payouts, all with a few clicks. Powered by AI co-pilots to help the users navigate their payment data and easily identify opportunities as well, while running data analysis and investigations. ### Alerts & Monitoring With Congrify’s intuitive front end, users can set up advanced performance monitoring rules and stay informed about changes in acceptance rates, declines, and chargebacks with real-time alerts. ### Payments Intelligence & Fee Allocation Cost Allocation Engine — enabling precise mapping of non-transactional costs (e.g., FX, platform fees, rolling reserves) at both the order and transaction level for accurate margin analysis and reconciliation. ### Payment reconciliation Reconcile easily across multiple payment data sources by building rules and workflows to match transactional events and payouts. Receive summary and reports on reconciliation statuses and event mismatches. ### AI Co-Pilot This intelligent assistant helps users navigate and analyze payment data, providing actionable recommendations to address anomalies and optimize payment setups. ### Pre-Chargebacks Alerts Verifi RDR and Ethoca Alerts as a stand-alone solution to reduce chargebacks. ### Anomaly Detection Proactively safeguard margins by automatically identifying performance dips and cost fluctuations before they impact your bottom line. ## How to Start? ### Sign Up for a Demo Account Experience Congrify firsthand by signing up for a demo account: [Congrify dashboard](https://app.congrify.com/sign-up) Explore our powerful features, from observability to AI-driven insights, and see how we transform your payment data into actionable intelligence. ### Contact Our Team Have questions or need a tailored solution? Reach out to our team of experts for personalized guidance and support. Email us at , and we'll help you unlock the full potential of Congrify for your business. ## FAQ: #### How to go live? **First step:** Create an account here at [Congrify dashboard](https://app.congrify.com/sign-up) You will immediately be in a demo mode, seeing some fake data. **Second step:** To switch to live mode, please contact support, and you will be able to add your PSP connectors. Before going live, please check our PSP connections documentation to ensure you have all the necessary credentials. If not, please contact your PSPs. **Third step:** Add your connectors, test the credentials, and have the automated historical data import. #### How to connect my PSP connections? Congrify integrates seamlessly with payment service providers, ingesting data through various methods such as SFTPs, reporting APIs, or Webhooks. Customers only need to provide credentials from their payment service providers. Additionally, custom data can be uploaded via API or a dedicated storage service. #### How to import historical data? You can do this directly via our front-end when configuring a PSP. If there are no reports previously generated for historical imports, please make sure that your PSP can generate those, or get in touch with our support to discuss the best way to do the historical import. #### How to monitor the data ingestion? You have a dedicated section to track file- or API-based data ingestions. We notify users when reports or incorrect data ingestion are detected. #### How do we keep your data secure? We keep data secure, and the platform is ISO 27001 and SOC2 certified, undergoing yearly audits as part of the Ixopay group. Additionally, the platform requires MFA access for all users due to the sensitivity of payments data, allows PII anonymization, and has database segregation policies across different customers. #### What’s the pricing model? The pricing model is based on the number of connections and ingested events. For a pricing quote, please reach out to your point of contact or to our support.