Long-horizon AI agents for cards and payments operations.
Disputes, chargebacks, and fraud claims are deadline-driven and evidence-heavy. The disputes and chargeback agent takes each case from intake through reason coding, network rules, and representment to resolution; the fraud and servicing agent carries each claim through pattern review and Reg E / Reg Z timelines to an analyst-ready package. One agent per function, each staying on a case for hours or days inside your card systems.
One long-horizon agent per cards & payments function.
Each agent below owns every step of its function and runs uninterrupted for hours or days — inside your existing systems, until the work is finished and staged for human approval.
The disputes & chargeback agent
One agent owns each dispute end to end. It intakes the cardholder dispute and applies the right reason code, verifies timing against network and regulatory deadlines, supports provisional-credit decisions, assembles representment evidence under Visa / Mastercard rules, and prepares resolution letters — staying on the case until it closes.
The fraud & servicing agent
One agent works each fraud claim from intake to analyst-ready. It triages the claim, reviews transaction patterns and velocity, prepares the case file with provisional-credit recommendations, and tracks Reg E / Reg Z timelines — and handles routine cardholder servicing in the same continuous fashion, routing exceptions to the right analyst queue.
Workflows in cards & payments.
Every step below belongs to one agent's single continuous run — one long-horizon agent per function, working uninterrupted until the work is finished.
Disputes & chargeback workflows.
The disputes and chargeback agent intakes disputes, applies network rules, and builds representment packages that hold up — every step below, one continuous run inside your existing card management systems.
- 01Dispute intake & reason-code assignment
- 02Network rule application (Visa / Mastercard)
- 03Provisional credit decisioning support
- 04Representment evidence assembly
- 05Resolution letters & cardholder notifications
- 06Status tracking against network deadlines
Fraud & servicing workflows.
The fraud and servicing agent triages fraud claims and handles cardholder servicing within Reg E / Reg Z timelines, escalating exceptions to analysts — one agent, end to end.
- 01Fraud claim intake & triage
- 02Transaction pattern & velocity review
- 03Reg E / Reg Z timeline tracking
- 04Cardholder servicing request handling
- 05Case packaging for fraud analysts
- 06Recovery & write-off support
How Layerup deploys here.
Operational details that matter when deploying long-horizon AI agents inside cards & payments operations.
- 01Credit, debit, and prepaid card programs supported.
- 02Network rules (Visa, Mastercard) and regulatory timelines kept current and applied per case.
- 03Provisional credit and resolution decisions staged for analyst approval, never auto-final.
- 04Every action logged with a reasoning trace for audit and network compliance.
Explore other lines of business.
Layerup runs critical workflows across the insurance and financial services lines below.
Deploy long-horizon AI agents in your cards & payments operation.
Start with one function's agent. Prove the operational lift. Then expand by line of business or by department.