Skip to content
Contact Sales Login

AI agents for fintech

Resolve Account Requests with AI-Native Support and Unlimited Human Agents

AI agents freeze cards, trace payments, open disputes and clear KYC checks in your card, core banking and payment systems, 24/7 on every channel. No per-seat fees and no per-resolution fees.

Start Free Trial Book a Demo
  • No credit card required
  • Free onboarding
  • 15-day free trial
BoldDesk chat workspace: Maya Patel says her debit card was stolen at the train station; the AI agent handling the conversation matches her verified app account, freezes card ending 4821 and orders a replacement through an API action, replies that no new charges went through and the new card ships today, and the status changes from Open to Resolved while the card record changes from Active to Frozen
of account requests resolved by AI
Up to 90%
accuracy in G2’s AI agent test
96%
languages, around the clock
40+

Trusted by companies of all sizes

BoldDesk customers including Acqueon, AFRY, Boiron, George Mason University, Legal Sea Foods, PostcardMania, United Way and Visasq Coleman

What it resolves

Cards Frozen, Payments Traced and Disputes Opened Before the Queue Builds

Connected to your card, core banking and payment systems, the AI agent does the work a request needs, then confirms it. Anything that moves money waits for the person your rules name.

  1. A customer says her card was stolen at the station; a lock snaps shut on debit card ending 4821 and it turns frosted as Frozen, the last 24 hours of spending show no unknown charges, a replacement card slides in marked as shipping today, and the AI agent confirms in the chat

    01

    Lost or stolen cards

    Freezes the card the moment a customer reports it, checks the last 24 hours of spending for anything unrecognised and orders the replacement to the address on file.

    • Card processor via API action
    • Core banking via MCP
    Built with AI actions and MCP
  2. A customer reports a $129.00 STREAMFLIX charge she never made; the charge lifts out of her recent transactions into dispute DSP-20418, marked card not present with no 3-D Secure, a $129.00 provisional credit waits for approval until Dana Ruiz from the disputes team approves it, and the AI agent confirms the dispute is open

    02

    Disputed card charges

    Finds the charge, opens the dispute with the evidence attached and prepares the provisional credit, which posts only after your disputes team approves it.

    • Card processor via API action
    • Approval step
    Built with Agent builder
  3. A customer asks where his $2,500 rent transfer is; a pulse travels down the payment route from his account at 10:42 through the payment network to the landlord’s bank, a clock hand sweeps to 4 PM for the expected arrival, the reference TRF-88213 appears with a copy button, and the AI agent replies with the time and reference

    03

    Payment and transfer status

    Traces a transfer through your payments platform and tells the customer where it is, when it will land and the reference their bank can use, on WhatsApp or chat.

    • Payments platform via MCP
    • WhatsApp
    Built with WhatsApp integration
  4. A new customer asks why her account is still under verification; her ID photo shows a glare and a failed check, a secure re-upload link is sent, a scan line sweeps the new photo, the document, selfie match and sanctions screening checks tick off, and the account switch turns on as Account active

    04

    Onboarding and KYC checks

    Reads why a verification failed in your KYC provider, sends a secure re-upload link and activates the account once the new document passes.

    • KYC provider via API action
    • Email
    Built with AI actions and MCP

Customers, merchants, accounts and amounts in the scenes are illustrative. Actions in your own systems run through the integration, API action or MCP server you connect, and card numbers stay in your card processor.

Independent Evaluation

Tested by G2 on 50 Real Support Tasks. Tied for the Highest Accuracy

G2 ran nine customer experience AI agents through the same verified dataset: grounded answers, account actions, troubleshooting, and escalation by policy. BoldDesk was scored independently, like every other vendor.

G2 logo
BoldDesk Scorecard Tested October 8, 2026
Accuracy 96% · +10 pts vs. average
Evaluated-agent average: 86%
Policy compliance 89% · +11 pts vs. average
Evaluated-agent average: 78%
Overall points 217.5 / 250 · +21 vs. average

Source: G2 AI CX Agent Evaluations, General CX leaderboard. Scores reflect G2’s evaluation on the date shown and may change as agents are re-tested.

One AI team

AI Agents for Account Holders, AI Help for Your Disputes and Fraud Teams

Three agents share your product rules, your risk limits and one credit balance. Disputes analysts, fraud investigators and support staff join as human agents at no seat cost.

  • In the banking app chat a customer asks why her card was declined; the Support Agent reads the daily limit, a meter fills to the $500 limit, it explains the limit resets at midnight and offers a one-time raise, and the request is resolved with no ticket

    For account holders

    Support Agent

    Answers in your app’s chat, on WhatsApp and by email, and explains declines, limits, fees and statements from the customer’s own account.

    Explore Support Agent
  • Four new tickets are tagged and routed on arrival: an unrecognised $129 charge to Disputes at high priority, a customer locked out after a reset email to Fraud as an urgent account takeover, a transfer pending since Monday marked frustrated to Payments, and a failing ID upload to Onboarding

    For every ticket

    Background Agent

    Tags each new message as a dispute, fraud, payment or onboarding case and puts account takeovers at the top of the fraud queue.

    Explore Background Agent
  • A long dispute thread folds into a three-point summary by the Assist Agent: the $129 card-not-present charge, the provisional credit already issued and the merchant’s reply; then an update to the customer is drafted, with Summarize, Improve tone, Translate and Use as reply buttons

    For your team

    Assist Agent

    Summarizes a dispute’s history for the analyst and drafts the update to the customer from the case and the ledger.

    Explore Assist Agent

Connect Your Banking and Payment Stack in Minutes

Native Stripe, Salesforce, HubSpot, WhatsApp, Jira and Zapier integrations. Your core banking, card processor and KYC provider connect over API or MCP.

A customer writes in chat that a transfer is stuck; BoldDesk opens ticket TX-9034, the AI agent traces the transfer, and Stripe, Salesforce, HubSpot, WhatsApp, Jira and Zapier light up in turn

Connect your core banking system over API or MCP

Guardrails

No Money Moves Without Your Rules

The AI agent gathers the facts and prepares the action. Credits, refunds and limit changes wait for the person you name, and every step is on record for your auditors.

  • Approval before sensitive actions

    Provisional credits, fee refunds, limit increases and account closures you mark wait for your disputes, risk or operations lead.

  • A trace log of every step

    Each account lookup, card action, rule check and approval is recorded with its result and time, ready for an audit.

  • PII redaction

    Account numbers, card digits and ID details customers type into a chat are masked in tickets, transcripts and reports.

  • Confidence-based handoff

    Fraud signals, complaints and customers in financial difficulty go to your people with the full conversation and what the agent checked.

96% accuracy in G2’s independent AI agent test, +10 pts vs. average

BoldDesk AI trace for a disputed card charge: the card dispute skill is matched, cards.get_transaction reads the $129.00 STREAMFLIX charge made without the card present or 3-D Secure, the dispute window check passes, the provisional credit waits for the disputes team and Dana Ruiz approves it, cards.issue_credit posts $129.00 to the card ending 4821 and returns 200 OK, the customer is emailed the dispute number, and the run is saved to the audit log

Enterprise-Grade Security for Account Holder Data

Independently audited, encrypted end to end, and governed by the access rules your risk and compliance teams set.

Security at BoldDesk
  • SOC 2 Type 2 badge

    SOC 2 Type 2

    Independently audited for security, availability and confidentiality.

  • GDPR badge

    GDPR

    Compliant with EU data protection rules, with a data processing agreement.

  • HIPAA badge

    HIPAA

    HIPAA compliance with a signed BAA, for fintechs that finance or pay for healthcare.

  • Your data stays yours

    Your data is only accessible to your AI agent and not used to train models.

  • AES-256 encryption

    Account and transaction data encrypted on a secure cloud architecture.

  • SSO and role-based access

    SSO, IP restrictions and roles decide who builds, approves and sees what.

  • PII redaction

    Personal and account data masked in tickets, transcripts and reports.

Do’s and Don’ts for Fintech Customer Support

Resolve payment issues without risking compliance. Review best practices, common mistakes and the impact each has on disputes, KYC checks and frozen accounts.

Explore Guidelines

  • Best Practices

  • Common Mistakes

  • Impact

Frequently Asked Questions

What is an AI agent for fintech customer support?

An AI agent for fintech customer support is software that resolves account holders’ requests, such as a lost card, a disputed charge or a missing transfer, instead of only answering questions about them. In BoldDesk it acts in your card, core banking and payment systems through API actions or MCP, and leaves anything that moves money to the approvers you name.

Can BoldDesk’s AI agent freeze a card or open a card dispute?

Yes. Through an API action to your card processor the AI agent can freeze a card, check recent transactions and order a replacement on its own. For a disputed charge it opens the dispute with the transaction details and prepares the provisional credit, which posts only after the disputes analyst your rule names approves it.

Does BoldDesk work with core banking platforms like Thought Machine, Mambu or Galileo?

BoldDesk has no native Thought Machine, Mambu, Marqeta or Galileo integration. These, KYC providers and in-house ledgers connect to the AI agent as API actions, or as an MCP server that exposes their tools, limited to the records and actions you allow. Stripe, Salesforce, HubSpot, WhatsApp, Jira and Zapier are native integrations.

Is BoldDesk PCI DSS compliant, and how does it handle card and KYC data?

BoldDesk is not a place to store card numbers: its Terms of Use exclude payment card data subject to PCI DSS unless your plan or a signed addendum allows it. Keep card numbers and identity documents in your PCI-scoped card processor and KYC provider; the AI agent works with references such as the last four digits, and PII redaction masks numbers customers type into a chat. BoldDesk has a SOC 2 Type 2 report, is GDPR compliant and encrypts data with AES-256.

How do I stop the AI agent from issuing a credit or refund without approval?

Mark credits, fee refunds and limit changes as approval-required, or set a rule such as any provisional credit needing the disputes team. The AI agent prepares the action from the transaction, waits for the named approver, then posts it, and each step is saved in its trace log for audit.

When does the AI agent hand an account holder to a person?

When it sees a fraud signal or a possible account takeover, when a customer complains or is in financial difficulty, when its confidence is low, or when your rules say so, the AI agent passes the case to your fraud, disputes or support team with the conversation and what it checked. Staff can also take over any AI conversation in one click.

How is BoldDesk priced for a fintech’s support, disputes and fraud teams?

Plans start at $99 a month, billed yearly, with 500 AI credits and unlimited human agents, so every disputes analyst, fraud investigator and support agent works in BoldDesk at no seat cost. There are no per-resolution fees, and extra AI credits are $40 per 1,000.

Which channels and languages can account holders use?

Account holders can reach the AI agent in your app’s chat, by email, on WhatsApp and by SMS through Twilio, around the clock, and it replies in 40+ languages, translating each exchange for your disputes, fraud and support teams.

Get started

Let AI Agents Run Your Fintech Support

Connect your card and payment systems and watch the AI agent clear its first account requests today.

Start Free Trial Book a Demo
  • No credit card required
  • Free onboarding and migration
  • Unlimited human agents