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Why AI Should Not Control Payment Decisions Directly: Lessons from Building REVA

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A solo developer built REVA, an AI-powered payment recovery agent, for Track 3 of the Razorpay AI Buildathon 2026. The project tackles a common financial problem: determining the right course of action after a payment fails, which is more complex than simply retrying the transaction. Blindly retrying failed payments risks duplicate charges, especially when the original transaction's settlement status is unclear. The developer argued that LLMs should assist in reasoning about failures — such as distinguishing an expired card from a temporary bank outage — but should never autonomously execute financial actions. The solution, REVA, combines AI-driven decision-making with deterministic guardrails to ensure critical financial policies are never violated by the model.

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