Machine Learning in Payment Gateway Optimization: Automating Payment Routing and Reducing Transaction Failures in Online Payment Systems . Journal of Artificial Intelligence Research, Ahmedabad, India, v. 2, n. 2, p. 276–321, 2022. Disponível em: https://www.thesciencebrigade.org/JAIR/article/view/458. Acesso em: 7 mar. 2026.