Antom, the merchant payment and digitisation services provider under Ant International, has rolled out major upgrades to Antom Copilot.
The upgrade aims to automate more of the payment workflow and help merchants manage rising payment complexity.
The AI-driven tool is integrated into the Antom Merchant Portal and now delivers enhanced automation and tailored assistance based on learnings from real-world cases.
The updated system supports the full payment cycle, including onboarding, integration, dispute handling, risk control and improving payment success rates.
Antom said the tool uses domain-trained intelligence that works like a virtual team of specialists, cutting processing time and reducing operational costs.
The company said Antom Copilot now performs better in multi-step scenarios through improved dialogue and memory functions.
Closer monitoring of operational signals enables earlier detection of risks or opportunities and lets the system adapt to each merchant’s business rhythm.
Antom Copilot runs on an upgraded agentic retrieval-augmented generation architecture, or RAG, with dynamic SOP planning.
Within a year of its launch in 2024, 72 percent of Antom merchants had completed self-service integration through the tool.
Antom said integration time has fallen by 90 percent and dispute-handling efficiency has improved by 46 percent.
It has also launched EPOS360, an AI-powered app that brings together POS systems, payments, banking, lending and growth support to help SMEs move from setup to scale more efficiently.
“Managing payments doesn’t have to be a passive and low ROI process of solving problems for merchants.
Today, our goal is to put advanced AI efficiency tools at the fingertip of every merchant in daily operations at lower cost, turning what large enterprises achieve through dedicated teams into accessible tools for all.”
said Gary Liu, CEO of Antom, Ant International.
“Ant International is focusing on building domain-specific agentic AI that solves global payment complexity for merchants.
We train and tune AI agents using deep industry know-how and a large set of anonymised complex cases, and evolve new agent protocols to ensure agents solve tasks in efficient orchestration.”
said Jiangming Yang, Chief Innovation Officer, Ant International.
The company said Antom Copilot reflects Ant International’s push to advance agentic payment innovations and that in 2025 it expanded partnerships with industry players to develop new agent protocols and related initiatives.
