Inampudi, R. K., T. Pichaimani, and D. Kondaveeti. “Machine Learning in Payment Gateway Optimization: Automating Payment Routing and Reducing Transaction Failures in Online Payment Systems”. Journal of Artificial Intelligence Research, vol. 2, no. 2, Oct. 2022, pp. 276-21, https://thesciencebrigade.com/JAIR/article/view/458.