Inampudi, Rama Krishna, Thirunavukkarasu Pichaimani, and Dharmeesh Kondaveeti. “Machine Learning in Payment Gateway Optimization: Automating Payment Routing and Reducing Transaction Failures in Online Payment Systems”. Journal of Artificial Intelligence Research 2, no. 2 (October 3, 2022): 276–321. Accessed January 21, 2025. https://nucleuscorp.org/JAIR/article/view/458.