AI Agents
A payments team that runs itself.
HL Hunt ships with a team of AI agents working around the clock on your account. They fight disputes, block fraud, recover failed payments, reconcile your books, and answer customer questions, so you can run your business instead of your payments.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- 7
- Specialized agents on every account
- 24/7
- Monitoring and response
- <1 min
- From chargeback to evidence compiled
- 0
- Extra cost. Included on every plan
What AI Agents gives you
Dispute Agent
Pulls the full transaction record, compiles AVS, CVV, device, IP, and delivery evidence, writes a reason-code-specific rebuttal, and submits it before the network deadline.
Fraud Agent
Scores 500+ signals per transaction before authorization. Blocks card testing, stolen cards, and friendly fraud without adding friction for good customers.
Recovery Agent
Retries soft declines at the optimal time, updates expired cards through network account updaters, and sends branded dunning emails that bring revenue back.
Reconciliation Agent
Matches every settlement, fee, refund, and payout to your ledger and flags anything that does not tie out, so month-end close takes minutes.
Billing Agent
Manages invoices, proration, plan changes, and tax lines for subscriptions and usage-based pricing. Never miss a renewal again.
Insights & Support Agents
Explain approval rates, surface anomalies, and answer customer payment questions on your behalf, in plain English.
Start using AI Agents today.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Create your account
Underwriting is done up front. Approval happens before your first charge, and every agent is enabled on day one.
- 02
Agents observe and act
Each agent subscribes to the events it owns: disputes, declines, settlements, invoices. Actions are logged in your dashboard with full audit trails.
- 03
You stay in control
Set thresholds for auto-approve versus review. Override any action, or ask the AI Assistant why a decision was made.
Why AI agents change the economics of payment processing
Payment operations have always been labor. Someone has to answer the chargeback, chase the failed renewal, tie out the settlement file, and explain to finance why approval rates dipped on Tuesday. For most merchants that someone is a founder, an ops lead, or an expensive outsourced team. HL Hunt replaces that labor with agents that are specialized, auditable, and included in your processing fee.
The Dispute Agent alone changes the math on chargebacks. Most merchants never respond to disputes because compiling evidence takes an hour per case. Our agent compiles it in seconds, cites the exact network rule for the reason code, and submits well before the deadline. Merchants on HL Hunt recover revenue that would otherwise be written off.
Because the agents operate on the same real-time ledger that powers your dashboard and API, they see the whole picture: the authorization, the customer history, the device fingerprint, the shipping confirmation, and the settlement. That context is why they can act with confidence, and why every action they take is traceable back to the data that justified it.
What changes
HL Hunt vs a typical processor for AI Agents
| HL Hunt | Typical processor | |
|---|---|---|
| AI Agents | Included with every account | Add-on fee or third-party vendor |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. AI Agents is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
AI Agents is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up AI Agents today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
AI Agents FAQ
Do the AI agents cost extra?
No. All seven agents are included in HL Hunt Payment Processing at no additional cost. You pay the published processing rates only.
Can I review actions before they are taken?
Yes. Each agent has configurable thresholds. You can require manual approval for any action, or let agents act automatically and review the audit log afterward.
What chargeback reason codes does the Dispute Agent handle?
All Visa, Mastercard, American Express, and Discover reason codes, including fraud, product not received, not as described, duplicate processing, and subscription cancelled.
How does the Fraud Agent avoid blocking good customers?
It scores risk on 500+ signals and uses 3-D Secure 2.0 step-up only when risk is elevated, so legitimate customers pass through without friction.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.