Antom, the merchant payment and digitisation arm of Ant International, has upgraded its AI agent, Antom Copilot, to augment merchant payment services and dispute management. 

 The enhanced capabilities of Antom Copilot 2.0 include refined payment integration, streamlined onboarding processes, advanced risk management configurations, and a new approach to chargeback disputes, the company said. 

Antom Copilot, which was initially launched in June 2024, is based on the Alipay+ GenAI Cockpit, an AI-as-a-Service platform developed by Ant International.  

The platform allows financial technology companies to create AI-driven financial services. 

The updated version, Antom Copilot 2.0, includes a Chargeback AI Assistant that provides merchants with automated strategies for dispute resolution and revenue recovery.  

The tool is designed to enhance merchants’ ability to control revenue and improve customer service by automating the analysis and response to chargebacks.  

Additionally, Antom Copilot now features an automated recommendation system for payment methods and acquiring services, supporting the deployment of localised payment methods. 

The onboarding process has been streamlined using multimodal Large Language Models (LLMs) to extract data from merchant registration documents, integrating natural language prompts. 

It also incorporated chain of thought reasoning, standard operating procedure automation, and AI-driven code generation, alongside user interfaces in both language and graphical forms, the company noted. 

Antom general manager Gary Liu said: “With this latest upgrade, Antom Copilot continues to evolve into a payment partner to provide merchants with tailored solutions.  

“This reflects Ant International’s AI strategy to deliver trusted, industry-specific solutions that help businesses, especially SMEs, fully harness the benefits of technology to thrive.” 

In April, Antom collaborated with Adobe to improve payment experiences for customers in Asia.