Empowering payment leaders to drive modernization, speed, and security
EXL partners with global card issuers, merchant acquirers, payment networks, and fintechs to navigate the rapid evolution of the payments landscape. With deep domain expertise and next-generation payment technology solutions, we deliver tailored strategies that modernize legacy infrastructure, enhance regulatory compliance, and elevate the customer experience. By integrating data, AI, and cloud, we help you unlock measurable growth and agility in a digital-first world.
What we do
Analytics, AI, and cloud to accelerate payment innovation
Who we serve
Driving growth with domain expertise and AI in the workflow
Credit card issuers
<p>AI-led strategies to optimize customer acquisition, automate credit decisioning, and streamline collections, driving profitability and retention in a competitive market.</p>
Merchant acquirers and processors
<p>Digital onboarding and servicing solutions that reduce friction for merchants, accelerate time-to-revenue, and minimize operational overhead.</p>
Payment networks
<p>Advanced analytics and payment technology solutions to enhance network resilience, optimize transaction routing, and detect anomalies in real-time.</p>
Fintechs and digital wallets
<p>Scalable operational support and compliance frameworks that allow disruptors to grow rapidly without compromising on security or customer experience.</p>
Our solutions
Solutions tailored to the payments lifecycle
Proven outcomes
30%
reduction in dispute cycle times through automation
40%
improvement in fraud detection accuracy
25%
increase in card activation rates via personalized engagement
50%
faster merchant onboarding time
Frequently asked questions
What is EXL’s approach to digital payments transformation?
<p>We combine deep industry knowledge with cutting-edge technology to help clients transition from legacy systems to modern, agile architectures. Our digital payment solutions leverage AI and cloud to streamline processing, enhance security, and deliver the real-time experiences customers expect.</p>
How does EXL support payments-as-a-service (PaaS) models?
<p>EXL helps organizations embrace PaaS by modernizing infrastructure and enabling cloud-native capabilities. This allows financial institutions to consume payment services on demand, launch new products faster, and reduce the total cost of ownership compared to maintaining on-premise legacy systems.</p>
Can you help with payment fraud and risk management?
<p>Yes. Security is at the core of our payment technology solutions. We utilize machine learning and advanced analytics to detect fraud patterns in real-time, manage chargebacks efficiently, and ensure compliance with global standards like PCI-DSS and AML regulations.</p>
How quickly can we expect results from a modernization project?
<p>While every engagement is unique, our clients often see significant efficiency gains within the first six months. Whether it's reducing dispute resolution times or accelerating merchant onboarding, we focus on delivering quick wins while building long-term strategic value.</p>
Do your solutions integrate with existing payment gateways and core banking systems?
<p>Absolutely. Our solutions are designed to be agnostic and flexible, seamlessly integrating with your current digital platforms, gateways, and core systems to ensure business continuity while driving innovation.</p>
Unleash the full potential of
your payments operations
Take the lead in the evolving world of digital finance. With EXL’s AI
and digital payment solutions, you are equipped to drive customer satisfaction,
enhance transaction performance, and thrive in a competitive landscape.
