> This is Payabli documentation. For a complete page index, fetch https://docs.payabli.com/llms.txt — append .md to any page URL for lightweight markdown. For section-level indexes, query parameters, and other AI-optimized access methods, see https://docs.payabli.com/ai-agents.md # Amigo Chat overview > Understand how Amigo, Payabli's AI agent, answers analytics and account questions in plain English Amigo Chat is where you ask Amigo™, Payabli's AI agent, questions in plain English — for example, "How did Pay In volume trend last quarter?" Amigo returns an answer sourced from your organization data, so you don't need to build your reports or charts by hand. ## What Amigo draws on Amigo draws on two sources to answer your questions: * Data from your own organization activity — transaction volume, chargeback rates, a specific paypoint's status. Amigo queries your live Payabli data for a dated, specific answer. * Platform knowledge about how Payabli features work in general — like which payment methods Pay Out supports. Amigo answers from Payabli's product documentation instead of your account data. Amigo access is controlled by organization scope and the `amigo_read` permission (enabled by default for Admin and Manager). Contact your Payabli representative to confirm which roles have this permission by default in your organization. Once you have access, Amigo can query data from your enabled organizations and paypoints. Amigo doesn't support paypoint-scoped access. See [Amigo boundaries and guardrails](/guides/platform-amigo-boundaries-overview) for a deeper explanation. Most real questions aren't purely one or the other. Amigo can pull from both sources in a single answer. For example, it might resolve what a status code means (knowledge) before filtering your transactions by it (data). In another case, it might name which payment method a group of top chargeback merchants share (data) as a side detail. ## Pay In, Pay Out, and Pay Ops data domains Payabli organizes payment activity into three domains: Pay In (money coming from customers), Pay Out (money going to vendors), and Pay Ops (organizations, paypoints, boarding, and account administration). Amigo keeps the same split for data questions. When a question could apply to more than one domain, Amigo uses context to scope the answer to the one it belongs to, or asks which domain you mean. This mirrors how the Payabli Portal already separates Pay In and Pay Out reporting, so Amigo's behavior should feel familiar rather than surprising. Within those domains, Amigo answers questions across analytics and performance, organizations and paypoints, transactions, settlements and transfers, risk and disputes, and boarding. ## What an answer looks like Amigo answers as part of your conversation, not with a dashboard. A typical response states the number, the date range, and enough context to interpret it. Where appropriate, this response includes a chart, key performance indicator (KPI) card, or data table when that helps visualize your data. Amigo surfaces the data. Interpreting what it means for your business is still up to you. Amigo chat response showing a line chart that forecasts low, medium, and high Pay In volume scenarios for the Riverheights HOA paypoint from August to October 2026, based on active subscriptions and chargeback and return rates Amigo can create the following kinds of charts and tables: | Chart type | Capability | | -------------------------- | -------------------------------------------------------------------------------------------------------- | | Bar, line, and area charts | Support multiple data series for side-by-side comparisons | | Pie charts | Support up to 7 slices, with remaining categories grouped as "Other" | | Tables | Support up to 50 rows and 1 to 12 columns, with formatted values for currency, percentages, and integers | | All charts | Support currency, percentage, and integer value formatting | Amigo's answers stay within your business data. It won't return cardholder details, account numbers, or other sensitive payment credentials, no matter how you phrase a question. Amigo also keeps the conversation going. Ask a follow-up question, like requesting a breakdown by volume tier, and Amigo refines the earlier answer instead of starting over. ## Related resources See these related resources to help you get the most out of Payabli. * **[Use Amigo Chat to generate insights and analytics](/guides/platform-portal-amigo-use)** - Learn how to open Amigo and ask a question in the Payabli Portal - **[Amigo boundaries and guardrails](/guides/platform-amigo-boundaries-overview)** - Understand what Amigo can access, what it won't do, and the controls partners have over it