PayOS provides an agentic payment infrastructure that enables AI-driven agents to execute tokenized transactions directly with merchants via a processor‑agnostic API. The platform includes real‑time fraud detection, risk mitigation, and value‑added services such as catalog and checkout tools, allowing enterprises to automate purchasing while maintaining compliance and security.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses increasingly rely on AI-driven agents to automate purchasing and service workflows, but existing payment systems require redirects, merchant of record setups, and lack built-in fraud protection, making agent-led transactions cumbersome and risky.
Solution
PayOS offers an agentic payment infrastructure that lets AI agents execute tokenized transactions directly with merchants, eliminating redirects and the need for a merchant of record. The platform provides a processor‑agnostic API that can be used à la carte or as a full suite, delivering real‑time risk assessment and fraud mitigation. Integrated value‑added services enable agents to manage payment risk, improve user experience, and monetize their interactions. A catalog and checkout component allows agents to discover and fulfill products across multiple merchants, while secure token handling ensures compliance and trust throughout the transaction flow.
Target Audience
Primary customers are enterprises and platform providers that deploy AI agents for automated purchasing, such as e‑commerce marketplaces, fintech services, and B2B SaaS solutions.
Features
- API for AI agents to perform live tokenized payments without redirects or merchant of record requirements
- Processor‑agnostic architecture supporting both selective and full‑suite integration
- Real‑time fraud detection and risk mitigation services built into the payment flow
- Catalog and checkout tools that let agents discover, select, and fulfill products from multiple merchants
- Token management framework that secures transaction data and supports compliance standards
- Flexible value‑added services that can be added à la carte to tailor risk, UX, and monetization needs