Razorpay launches an AI payments model

Razorpay has launched Vulcan, a transformer-based payments foundation model that the company says can improve success rates by 8–10%, identify 5× more disputed transactions, and detect 8× more international card fraud. The model is tuned for the company’s payment flows rather than general chat; operators evaluating vertical AI should file the claim alongside the archive’s analysis of AI value in enterprise work and ask for audited lift on their own authorization and loss data before treating marketing multipliers as production economics.