Ramp Acquires Juno To Expand Travel Infrastructure Beyond Employees
Hey Payments Fanatic!
Corporate travel is getting a quiet rethink...
For years, most travel infrastructure focused on employees. But companies deal with far more complex travel flows today, from candidates and contractors to partners and customers.
Ramp has announced the acquisition of Juno, a modern guest travel platform built specifically to manage non-employee travel. The move deepens Ramp’s push into travel while expanding its broader financial operations ecosystem.
Guest travel may sound niche, but it is operationally messy and surprisingly high-volume across industries like tech hiring, healthcare staffing, universities, and large events.
As Ramp co-founder and CTO Karim Atiyeh puts it, “Guest travel is a hard problem. It's messy, operationally heavy, and has real business consequences. A bad candidate travel experience can cost you a hire.”
The move comes just days after Ramp acquired Billhop to expand its footprint in Europe. For Payments, this is another example of financial platforms expanding into adjacent operational workflows where logistics and Payments intersect.
Meanwhile, Payments Move Toward “Tap on Everything”
In Brazil, Getnet is expanding its Tap on Phone strategy toward what it calls Tap on Everything.
The idea is simple but ambitious. Any device with Android and NFC could potentially become a Payment acceptance point, from retail kiosks to TVs, cars, or even smart appliances.
Keep scrolling 👇 There’s more movement across the Payments landscape below. I will be back tomorrow in your inbox.
Cheers,
INSIGHTS
🇧🇷 Brazil’s Pix payment system now processes more transactions than Visa and Mastercard combined 🤯
NEWS
🇧🇷 Getnet is expanding its Tap on Phone concept to Tap on Everything, aiming to enable contactless payments on any NFC-enabled Android device, from kiosks and tablets to potential future integrations in cars, TVs, and other smart devices. The company is currently testing the solution with 150 kiosk devices.
🇺🇸 Ramp acquires Juno to expand guest travel and build the complete travel solution for every business. With this acquisition, Ramp is deepening its travel capabilities, investing in a suite of travel products and Travel Management Company (TMC) partnerships to meet customer needs.
🇮🇳 PhonePe temporarily pauses IPO listing process. PhonePe announced that it has temporarily deferred its public market listing process due to current geopolitical conflicts and market volatility, and will resume it once global capital markets stabilize.
🇦🇺 Revolut launches PayTo in Australia to fight bill shock. PayTo is an account-to-account payment method. The feature targets everyday uses such as topping up a Revolut account and paying recurring bills, including digital subscriptions and gym memberships.
🇧🇷 Banco do Brasil and Visa conduct the first transaction with an AI agent in Brazil. The operation was carried out in a controlled production environment. An artificial intelligence agent executed a payment on behalf of the client, using the BB Visa card.
🇺🇸 Visa and Fiserv expand partnership. The collaboration introduces a unified, API driven acceptance layer designed to simplify integration for acquirers while helping merchants improve authorisation rates, reduce fraud, and deliver seamless customer experiences.
🇺🇸 Cash App Pay is now available on Kalshi. This integration enables Cash App customers to securely link their accounts to Kalshi, making their Cash App balance available for trading on Kalshi and creating a seamless path from funding to participation.
🇺🇸 StoneX makes a cash proposal to acquire CAB Payments. StoneX believes that its Proposal would provide a compelling opportunity for CAB Payments’ shareholders to monetise their holdings in CAB Payments for cash at an attractive valuation, which is also at a significant premium to its recent and undisturbed share price and the Helios Consortium’s firm offer.
GOLDEN NUGGET
🚨 𝐇𝐨𝐰 𝐭𝐨 𝐩𝐨𝐰𝐞𝐫 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐰𝐢𝐭𝐡 𝐀𝐈 — it's not just about Agentic Commerce, the evolution of AI is disrupting payments altogether👇Created by Arthur Bedel 💳 ♻️
Modern payments no longer just process — they reason, adapt, and optimize. An AI-native payments platform is the key for enterprises to reduce friction, improve approval rates, and drive intelligent growth.
𝐓𝐡𝐞 𝐄𝐯𝐨𝐥𝐯𝐢𝐧𝐠 𝐑𝐨𝐥𝐞 𝐨𝐟 𝐀𝐈 𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬
AI connects the dots between data, security, speed, personalization, and behavior — enabling intelligent action in real time.
🔹 Security
→ Real-time fraud scoring and behavioral anomaly detection.
Microsoft leverages AI to detect coordinated fraud attacks across geographies, using real-time IP fingerprinting and dynamic 3DS decisions.
🔹 Speed
→ Automated decisioning and optimized checkout logic.
eBay deploys AI models to streamline its global checkout flow, dynamically adjusting the experience by market, device, and payment method usage trends.
🔹 Personalization
→ Adaptive routing and dynamic UX.
Checkout.com enables merchants to personalize payment options at checkout based on customer history, issuer behavior, and local preferences.
🔹 Behavioral Data
→ Continuous learning from patterns in issuer behavior, retries, fraud triggers, and consumer habits.
𝐓𝐡𝐞 𝐂𝐨𝐫𝐞 𝐋𝐚𝐲𝐞𝐫𝐬 𝐨𝐟 𝐀𝐈 𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬
1️⃣ Unified Data
→ Consolidation of data from PSPs (e.g., Getnet, Checkout.com, Payplug), fraud tools, CRMs, and internal commerce systems.
→ eBay standardizes transaction-level data across global PSPs and marketplaces to enable unified performance insights and routing logic.
2️⃣ Agentic Intelligence
→ A reasoning layer that evaluates and ranks millions of routing paths, retries, and fraud strategies based on expected outcome.
→ Getnet merchants in LATAM use ATHIA to switch routing strategies in real time during issuer outages.
3️⃣ Machine Learning
→ ML models tailored to commerce — optimizing for approval rates, fraud risk, customer type, and payment method behavior.
→ Google uses ATHIA’s ML models to proactively adjust retry windows for license renewals based on historical bank acceptance timing.
4️⃣ Analysis & Visualization
→ Data is transformed into dynamic visualizations that surface anomalies and opportunities without requiring deep SQL or manual dashboards.
→ Stripe provides merchants with visual routing breakdowns and simulated outcomes
𝐓𝐡𝐞 𝐎𝐮𝐭𝐜𝐨𝐦𝐞: 𝐀 𝐒𝐲𝐬𝐭𝐞𝐦 𝐓𝐡𝐚𝐭 𝐀𝐜𝐭𝐬 — 𝐍𝐨𝐭 𝐉𝐮𝐬𝐭 𝐑𝐞𝐩𝐨𝐫𝐭𝐬
✅ Contextual checkout experiences by geography and device
✅ Lower transaction costs via intelligent acquirer routing
✅ Higher approval rates through dynamic retries
✅ Reduced fraud and false declines with adaptive scoring
AI in payments is no longer experimental. It’s intelligence in motion.
Source: DEUNA
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