Get paid by every customer.
Human or AI.
PerfectPay connects your business to 140+ payment processors and the AI agent economy — built on open standards. Accept payments from humans and AI agents. Or authorize your own agents to buy on your behalf with dollar limits and category controls. Smart routing cuts your costs. Instant settlement means no more waiting.
Your payment stack is costing you money
T+2 Settlement
You process a sale Friday night. You see the money Tuesday. Weekend cash flow gaps kill small businesses.
Processor Lock-In
One processor. One point of failure. When they raise rates or go down, you have no alternative.
Hidden Fees
Interchange downgrades. Assessment fees. PCI surcharges. The average merchant overpays by 15-30% without realizing it.
Three steps to better payments
Connect
Integrate once. Access 140+ payment processors, all major card networks, ACH, FedNow, RTP, digital wallets, and BNPL — through a single API.
Route
Our smart routing engine analyzes every transaction in real-time. Card type, geography, processor fees, approval rates — and routes to the optimal path automatically.
Settle
Funds arrive in seconds via FedNow and RTP. No more T+2. No more weekend gaps. Instant settlement, 24/7/365.
The new front door to your business
45% of shoppers already use AI. $20.9B in agent-driven purchases this year. AI agents on ChatGPT, Google, Perplexity, and Copilot are finding products, comparing prices, and completing purchases. Is your business ready to be found?
Agent Discoverable
PerfectPay syndicates your products to ChatGPT, Google AI, Perplexity, and Copilot automatically. One integration makes you discoverable by every AI shopping agent. The new SEO.
Verified Payments
When an agent buys from you, its authorization is verified instantly — spending limits, category controls, and delegation chains. Transport-agnostic: JWT, VC, or OAuth.
Instant Settlement
Agent-initiated purchases settle in seconds via FedNow/RTP. The agent’s customer gets confirmation. You get paid. No delays.
Every payment settles instantly
Stop waiting for your money
Traditional processors hold your funds for 2-3 business days. PerfectPay routes settlement through FedNow and RTP — real-time payment rails that move money in seconds, not days. Merchants get paid instantly. Customers get refunds instantly. Workers get paid instantly.
Built for businesses that need better payments
Platforms & Marketplaces
Split payments across sellers, automate commissions, and route through the cheapest processor for each transaction. One integration replaces Stripe Connect at a fraction of the cost.
Learn more →Gig & Creator Economy
54% of gig workers need same-day pay. Offer instant payouts via FedNow, RTP, or push-to-card. Smart routing picks the cheapest rail automatically.
Learn more →Restaurants & Retail
Customer-present processing with instant settlement. Process a dinner bill at 8pm, have the funds by 8:01pm. Not Tuesday. Works with compatible POS systems.
Learn more →Restricted Industries
When processors shut you down, you need alternatives. Multi-processor routing with automatic failover. ACH and real-time bank transfers that bypass card network restrictions.
Learn more →SaaS & Subscriptions
Failed payments cost the industry $129B annually. Intelligent cross-processor retry recovers revenue that single-processor dunning misses. Reduce involuntary churn by 20-40%.
Learn more →Stop overpaying.
Start settling instantly.
Join the merchants, platforms, and developers switching to smarter payments infrastructure.