Inqyre AI was built from firsthand experience of what merchant onboarding looks like inside acquiring teams when complexity rises faster than the systems supporting it.
Payments leadership experience
Decision ownership stays with teams
Structured onboarding logic at scale
A quick look at the product thinking, payment workflow conversations, and AI-assisted review experience behind inqyre.
Merchant onboarding should not slow revenue, but it often does in payments operations.
Inqyre brings structure, speed, and clarity to onboarding across PSP teams. AI agents process merchant and risk signals in real time, so applications follow consistent logic instead of fragmented review steps.
This reduces delays for PSPs between application and activation, and speeds up time to first transaction for merchants without repeated checks or unclear status.
The goal is simple: make onboarding controlled, understandable, and not a blocker to revenue on either side.
Inqyre AI was built from this context, as a structured approach to improving consistency in onboarding while preserving decision ownership within PSP teams rather than replacing it.
Jay Nair, Founder and CEO of Inqyre AI, brings over 25 years of experience across Amazon, Worldpay, Equifax, and American Express, where he has worked across product, operations, and leadership roles within the acquiring side of payments.
Across these roles, onboarding followed a consistent underlying structure. Merchant activity, financial position, MCC classification, KYB checks, and scheme requirements all needed to be assessed and connected across multiple steps, often involving multiple teams. As transaction volumes increased, maintaining consistency in this process relied increasingly on manual coordination, review cycles, and cross-functional alignment.
The challenge was not understanding what needed to be done. It was the absence of a practical mechanism to bring these inputs together in a consistent way and generate decisions without increasing operational burden.
Today, these inputs can be processed collectively and applied through payments-specific logic, enabling onboarding decisions to be structured more consistently and executed closer to real time.
The team behind Inqyre brings together experience from across the acquiring side of payments and the engineering required to support it. The focus is on building systems that reflect how onboarding decisions are made and ensuring they work reliably as volumes scale.
We are a growing team. If you work in payments engineering and want to build something that fixes a problem you have lived, reach out directly at careers@inqyre.ai.
António brings hands-on experience scaling products at real consumer volume. As an early engineer at NGL, he helped build a platform that hit #1 across global app stores, reaching 300M+ downloads and 10B+ messages, working across mobile, backend, and AI-powered content moderation. Earlier roles at 5Mins and Xray (Jira's leading test management platform, trusted by 10,000+ companies) gave him further depth in AI-driven personalisation and enterprise backend systems at scale. He holds a Master's in Informatics and Computer Engineering from the University of Porto, with time at Budapest University of Technology and Economics.
Jay has spent 25+ years building and scaling payments, credit, and data businesses across global institutions and startups. He led Payment Acceptance for Amazon Europe, driving checkout strategy and new payment methods across one of the world's most complex ecommerce markets, and served as Chief Product and Marketing Officer and FCA-regulated Board Director at Equifax UK, driving product-led growth across Credit, Identity, and Open Banking. His earlier career spans Worldpay, American Express, and Citi, covering merchant acquiring, card issuing, and portfolio management across the UK, US, and Asia Pacific. More recently, as Group COO and country CEO for a fintech lender in East Africa, he led embedded credit and digital lending under real regulatory and capital constraints.
He founded Inqyre to solve the onboarding and compliance bottleneck he ran into repeatedly across that career.
Geoffrey Barraclough is founder of Business of Payments and an independent adviser to fintechs and payment companies. A recognised commentator on the global payments industry, he combines a broad commercial and strategic perspective with deep expertise in payments. He speaks regularly at international industry events and invests in early-stage payment technology businesses.
Moshe has a proven track record of driving accelerated revenue growth, spearheading global go-to-market strategies, and building high-performing, multi-disciplinary teams. Throughout his career, he has held senior executive roles, including serving as Chief Revenue Officer at Ecommpay, SVP of Sales for the UK/I at Checkout.com, and Director of Commercialisation for Visa Direct at Visa Europe. Moshe led the Fintech and Innovation workstream within Accenture's Payments Practice.
Tony is a technology, cybersecurity and fractional marketing leader with 25 years of building and scaling enterprise software businesses globally. He has held marketing and demand generation leadership roles at WorldPay, Trend Micro, Tanium and ThreatMetrix, building marketing functions from zero into scaled, revenue-generating operations and delivering marketing-sourced pipeline above market average. He brings practical fluency in AI adoption, cyber posture and go-to-market execution, paired with the value-creation discipline that venture capital and private equity boards rely on through periods of scale and exit.
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