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Make agents pay securely with PayOS.

Turbocharge your business with trust and payments expertise, network-issued agentic tokens, value-added card services, and agent monetization, all processor-agnostic.

Agent Tokens
How will the agent pay?
PayOS Wallet
How are cards stored securely?
Agent Monetization
How will the agent make money?
Catalog & Checkout
How do agents discover and fulfill products?

Agent Tokens

Agentic
Enable AI Agents to securely checkout anywhere.
No redirects.
No Merchant of Record.
Learn More →

PayOS Wallet

AgenticNon-Agentic
PCI-compliant card vault.
One identity, many cards.
Link once, use everywhere.
Processor-agnostic.
Learn More →

Agent Monetization

AgenticNon-Agentic
Agentic facilitation fees.
On top of attribution fees.
AI-usage bill pay.
Processor-agnostic.
Learn More →

Catalog & Checkout

AgenticNon-Agentic
No redirects.
Accurate inventory & pricing info.
Enable seamless purchases on global websites.
Learn More →

Card-native services built for agents and everyone else.

One platform powering AI-driven and traditional commerce.

Agentic Commerce
Agentic Tokens
Facilitation Fee Processing
PayOS
Payment infrastructure for the agentic era
Processor-agnostic
Traditional Commerce
Bill Payments
Billing Cycles
Value-Added Services
Applies to agentic + non-agentic
Card verification · Risk signals · Fraud mitigation · Metadata enrichment
Agent Fraud
Stop rogue agents before money moves.
Agent Identity
Verify and bind AI agents to a user.
Merchant-Side
Reduce declines, improve authorization.
Issuer Top-of-Wallet
Keep cards current and prioritized.
Built for AI agents and traditional businesses
Direct access to advanced card + payment services. No processor needed.

Everything an agent needs, in one call.

One request fans out into every signal PayOS returns, grouped and ready to act on.

AI Agent
One agent in. A trusted payment out.
Agentic Tokens
Network-issued token Passkey consent Scope enforcement One-time use Payment signals
PayOS Wallet
PCI-compliant vault Identity-linked cards Link once, use everywhere Processor-agnostic
Agent Monetization
Facilitation fee Instant settlement Clear attribution Subscriptions
Catalog & Checkout
Real-time catalog No redirects Accurate inventory One-flow checkout
+30
more signals
every response
Mandate scope Spend policy Delegation chain Audit trail Velocity controls
and way more

Three products. One agentic stack.

Issue tokens, store cards, and collect fees, each usable on its own or together.

01

Agentic Tokens

Network-issued credentials for AI commerce.

PayOS-provisioned, passkey-anchored payment tokens that let an agent buy on a consumer’s behalf, within scope, anywhere.

Tokenization for agents
Request PCI-exempt credentials usable at any checkout.
Passkey consent
Phishing-resistant verification binds intent to the token.
Scope enforcement
Merchant / MCC, amount and validity window are enforced.
Payment signals
Each authorization is linked for issuer trust and disputes.
Explore Agentic Tokens →
Credential issued
type PCI-exempt token
consent Passkey verified
scope Merchant · $100
networks Visa · Mastercard
02

PayOS Wallet

PCI-compliant card storage, tied to identity.

A secure vault where each card is tied to a user identity by phone or email. Link a card once, use it everywhere.

PCI-compliant vault
Cards live in PayOS; your systems never hold card data.
User-centric identity
One identity by phone or email, multiple stored cards.
Any collection channel
PaymentSheet, Card Element or Direct API on entry.
Processor-agnostic
Send stored cards to any processor, no lock-in.
Explore PayOS Wallet →
Wallet user
identity phone / email
cards stored Multiple
storage PCI Level 1
tokenization Available
03

Agent Monetization

Collect your fee alongside the purchase.

The Charge Card API lets an agent collect a facilitation fee at the same moment it completes a digital purchase, with clear attribution.

Two-part, one moment
Merchant stays MOR; the agent charges its own fee.
Instant settlement
Collect one-time, non-refundable facilitation fees.
Clear attribution
Two distinct, transparent lines on the bank statement.
Subscriptions too
Recurring billing for digital goods and services.
Explore Agent Monetization →
Charge Card API
purchase Merchant (MOR)
agent fee Agent (MOR)
settlement Instant
scope Digital goods · fees
04

Catalog & Checkout

Discover any product, check out anywhere.

Give agents real-time product discovery and one-flow checkout: retrieve price, tax and shipping for any product on the web, then complete the purchase without redirects.

Real-time catalog
Structured price, tax and shipping for any product online.
No redirects
Agents complete purchases in one flow on global sites.
Accurate inventory
Current availability and pricing before money moves.
Discovery to doorstep
Search, buy and fulfill through a single PayOS API.
Explore Catalog & Checkout →
Product resolved
product Running Shoe
price $120 · live
inventory In stock
checkout No redirect

The agentic era, in four transaction types.

Agentic commerce adds two new categories to the two the industry already knows. PayOS supports all four.

CIT

Consumer Initiated

The cardholder is present and consents at the moment of payment.

e.g. Tapping a card in-store or entering it at checkout.
MIT

Merchant Initiated

Runs later without the cardholder present, referencing a prior consent.

e.g. A monthly subscription renewal or hotel no-show fee.
AIT New

Agent Initiated

An agent performs a one-time purchase now, under a passkey-authenticated instruction.

e.g. Buy two balcony seats if under $100.
ART New

Agent Repeat

An agent transacts many times later, within a standing instruction.

e.g. Renew my $15 music subscription monthly for a year.

What agents do with PayOS.

agent · shopping task
1Consumer approves scope & budget
2Agent presents a scoped token
3Purchase completes within mandate
Buy now
Commerce
Shopping agents
Consumer approves scope & budget
Agent presents a scoped token
Purchase completes within mandate

Card-native services, built into every agent flow.

Before an agent stores or charges a card, PayOS Card Data verifies, enriches and validates it in a single call, so agentic payments clear more often and carry less risk.

BIN details Payment Account Reference AVS · CVV 3-D Secure Push-funds eligibility
Explore Card Data →
OSCard Lookup POST /card/lookup
network / typeVisa · Credit
AVS · CVVY · M
3-D SecureLiability shift
push funds (OCT)Eligible
Safe to store & charge one call

Intent, token, authorization, linked.

Every step from consumer instruction to authorization is bound together for audit, monitoring and disputes.

Consumer instruction
Passkey-authenticated
→
PayOS token
Scoped, network-issued
→
Merchant authorization
Checked against scope
→
Linked signals
Audit · disputes

From zero to your first agentic transaction.

Set up your organization at platform.payos.ai, then build with PaymentSheet, the SDKs, or the API.

01

Create your organization

Sign up at platform.payos.ai with your business email. The first user becomes owner/admin.

02

Invite your team

Send role-scoped invites: Admin, Member, Viewer, Billing or Security Reviewer.

03

Generate API keys

Create sandbox keys instantly; production keys unlock after KYB. The secret is shown once.

04

Go live

Ship with PaymentSheet or the SDKs, then report every result to the Confirmations API.

Sandboxsk_test_…

No real money, relaxed rate limits, instant processing, and full webhook and passkey simulation.

Production · requires KYBsk_live_…

Send X-API-Key on every request. Secret keys are server-side only; separate keys per environment and rotate regularly.

How agent payments work

Secure wallet onboarding, AI-agent proxy cards with human approval, and full developer control.
Secure wallet onboarding, AI-agent proxy cards with human approval, and full developer control.

Let your agent pay, safely.

Start free with generous monthly usage. Ship agentic checkout with tokens, wallet and monetization in one integration.

Start Building