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Yuno’s AI gives your team three complementary capabilities. Payments Concierge answers questions in plain language from WhatsApp or Slack. Smart routing decides which provider wins each transaction, automatically. MCP lets your developers and AI assistants call Yuno’s APIs directly from tools like Claude Code, Cursor, and Windsurf. They cover different jobs and you can use any combination. This page is conceptual. Concierge is enabled per account; smart routing turns on with 2+ providers; MCP is available in sandbox today and gated by approval in production.

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Three AI capabilities

Payments Concierge

Conversational AI for ops and finance. Ask questions, get root-cause on declines, generate reports. Runs on WhatsApp and Slack.

Smart routing

Automated AI in the payment flow. Picks the optimal provider per transaction. Powered by Aida.

MCP for AI tools

Yuno’s APIs as MCP tools. Connect Claude Code, Cursor, or Windsurf and let AI assistants drive sandbox flows.

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Payments Concierge

Concierge is your team’s intelligent payments agent. It watches your stack across every provider and country and replies in plain language, no SQL, no dashboards, no special commands. What it does
  • Answers operational questions. “Why did approvals drop in Mexico last night?” “Which PSP performs best for Visa in Brazil?”
  • Roots out declines. Identifies the root cause of a rejection and the corrective step.
  • Compares PSPs side by side. Performance by country, card brand, BIN, and method.
  • Alerts proactively. Pages you when a provider underperforms or approval rates drop.
  • Generates reports. Excel, PDF, or PowerPoint, on demand.
Who it is for Payment operations teams, finance leaders, and merchants running complex multi-provider, multi-country stacks. The competitive advantage is multi-PSP visibility: individual providers can only see their own data; Concierge sees the whole stack. Where it runs WhatsApp and Slack. No special syntax. Ask in natural language and Concierge answers. To enable Concierge for your account, contact your Yuno representative or support@y.uno. Learn more at ai.y.uno/payments-concierge.

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Smart routing

Smart routing is the automated half of Yuno AI. It runs inside the payment flow you already use, picking the right provider for each transaction without any change on your side. What it does
  • Routes by learned patterns. Approval probability, cost, and live provider health combine into one decision per transaction.
  • Retries soft declines intelligently. Falls over to a second provider using patterns it learned from your traffic, without exceeding network retry limits. See Transaction retries.
  • Tunes 3DS decisioning. Applies challenge or frictionless flows where they lift approvals without breaking risk thresholds.
  • Optimizes cost. Trades approval probability against processing cost when both providers can win.
How to turn it on
  1. Connect two or more providers in Dashboard > Connections. Smart routing only acts when there is a real choice.
  2. Let Aida observe traffic. Quality improves over the first 30 days as more data accumulates.
  3. Track decisions and approval lift in Aida Dashboard.
  4. Override behavior with routing rules and risk conditions when you need to pin a flow.
For the full implementation walkthrough see the Aida implementation guide.

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MCP for developers and AI agents

Yuno’s Model Context Protocol server exposes the Yuno API as machine-readable tools. AI assistants can call them directly, so your developers can investigate payment data, create test transactions, and debug integrations using natural language inside their editor. What it does
  • Exposes Yuno API operations (customers, payment methods, payments, subscriptions, payment links, installment plans, and more) as MCP tools with clear input and output shapes.
  • Lets AI assistants invoke them on your behalf, no custom integration code required.
Who it is for Developers and AI agents. Not for live merchant transactions; MCP is positioned as a development and debugging surface. Where it runs Any MCP-compatible client. Tested with Claude Code, Cursor, Claude Desktop, and Windsurf.
MCP is for sandbox and development workflows. Production access is gated by account approval, and Yuno does not recommend using MCP to drive live merchant payments. See the MCP integration guide for the full setup, env vars, and tool catalog. For the remote variant see Remote MCP server. For the per-tool reference see MCP tool reference.

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What to do first

1

Enable Concierge

Reach out to support to turn Concierge on for your account, then add the WhatsApp or Slack integration so the team can start asking questions.
2

Confirm smart routing is active

Open Aida Dashboard to see whether Aida is making routing decisions. If you only have one provider connected, add a second from Connections.
3

Wire MCP into your editor

Follow the MCP integration guide to connect Claude Code, Cursor, or Windsurf so your developers can query Yuno from their AI assistant.
4

Bookmark the deeper docs

Aida agent, Aida Dashboard, the Aida implementation guide, and the MCP tool reference are where the depth lives.

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Where to go next

Aida agent

Full smart-routing capabilities and how decisions are made.

Aida Dashboard

Where finance teams monitor approval lift, routing decisions, and cost.

Aida implementation guide

Rollout sequencing, observability, and rollback options for smart routing.

MCP for AI tools

Let Claude Code, Cursor, and other AI assistants read Yuno data and drive sandbox flows.