Aida AI Agent

Yuno’s AI-powered payment optimization engine for smart routing, retry logic, and approval rate optimization

Generally Available. Aida is included in all Yuno plans with 2+ configured providers. No additional cost for smart routing. Advanced features (fraud scoring, BIN optimization) may require Enterprise plan.

Overview

Aida is Yuno’s AI-powered payment optimization engine. It uses machine learning to analyze transaction patterns and automatically optimize routing decisions, retry strategies, and approval rates in real time.

Aida learns from your transaction history over time. Optimization accuracy improves as more data becomes available, typically reaching peak performance after 30 days of production data.

Core Capabilities

Smart Routing

Dynamically selects the optimal provider for each transaction based on historical approval rates, cost, and real-time provider availability.

Intelligent Retry

Automatically retries soft-declined transactions with alternative providers, using learned patterns to maximize recovery without exceeding network retry limits.

Approval Rate Optimization

Adjusts transaction parameters (e.g., 3DS decisioning, provider selection) to maximize approval rates while maintaining risk thresholds.

Cost Optimization

Balances approval rates against processing costs, routing to lower-cost providers when approval probability is equivalent.

How Aida Works

Enabling Aida

1. Navigate to AI settings

   Go to Dashboard > AI > Aida Agent settings.

2. Enable Aida optimization

   Toggle Aida to Active. Choose which optimization features to enable:

   Feature	Default	Description
   Smart Routing	On	AI-selected provider routing
   Intelligent Retry	On	Automatic soft-decline retries
   Approval Optimization	On	Parameter tuning for approvals
   Cost Optimization	Off	Cost-weighted provider selection

3. Set constraints

   Define boundaries for Aida’s decision-making:

   • Maximum retry attempts: 1-3 (default: 2)
   • Cost threshold: Maximum acceptable cost per transaction
   • Provider exclusions: Providers Aida should never route to
   • Country overrides: Manual routing for specific countries
4. Review and activate

   Review the configuration summary and click Activate. Aida begins optimizing immediately for new transactions.

Aida vs Manual Routing

Aspect	Manual Routing	Aida
Provider selection	Static rules	Dynamic, data-driven
Retry logic	Fixed fallback order	Learned optimal retry paths
Adaptation speed	Manual rule updates	Real-time learning
New provider onboarding	Manual traffic allocation	Gradual exploration
Performance monitoring	Dashboard review	Automated alerts

Aida respects your manual routing rules as constraints. If you define a routing rule for a specific condition, Aida will not override it. Aida only optimizes within the providers and rules you have configured.

Monitoring Aida Performance

Track Aida’s impact in the AI Dashboard:

• Approval rate lift compared to baseline
• Cost savings from optimized routing
• Retry success rate
• Provider distribution changes

Data Privacy

Aida processes transaction metadata (amounts, countries, BINs, outcomes) but never accesses raw cardholder data. All machine learning models are trained on anonymized, aggregated data.