PayNearMe, a leading fintech transforming the payment experience, announced the rollout of its AI-powered Intelligent Virtual Agent (IVA) as part of its strategy to advance and modernize customer engagement for non-commerce businesses. Fully integrated into the PayXM™ platform, IVA extends PayNearMe's vision of Payment Experience Management by enabling organizations to automate and personalize inbound and outbound communication across voice, text and chat.

Powered by natural language processing, PayNearMe's IVA combines machine learning with intelligent automation to deliver more accurate, context-aware responses that improve engagement and operational efficiency over time. 

"Automation is evolving from scripted responses to intelligent action–systems that understand, decide, and adapt in real time," said John Minor, chief product officer, PayNearMe. "Businesses need technology that not only simplifies interactions but continuously improves them. Our IVA orchestrates communication intelligently across every channel, delivering experiences that feel personal and effortless at scale."

For customers, IVA simplifies and streamlines customer service interactions, eliminating hold times, recognizing intent, and driving self-service through natural voice and text conversations.