The advent of artificial intelligence (AI) has ushered in significant transformations across various sectors, with the financial industry being one of the most impacted. Among the numerous innovations, AI-driven payment automation stands out for its potential to revolutionize financial transactions by enhancing speed, efficiency, and security. This paper explores the impact of AI on payment automation, examining how AI technologies such as machine learning, natural language processing, and robotic process automation are redefining the landscape of financial transactions. By analyzing references published before 2020, this study highlights the benefits of AI-driven payment systems, including improved transaction accuracy, reduced processing times, and enhanced fraud detection. The paper also discusses the challenges associated with AI adoption such as data privacy concerns and the need for regulatory oversight. Ultimately, the integration of AI in payment automation is positioned as a key driver in the future of financial transactions, offering unprecedented opportunities for innovation and growth.