AI agents are already
shopping for your customers
45% of shoppers use AI. $20.9B in agent-driven purchases in 2026. PerfectPay works both ways: make your business discoverable and payable by any AI agent — or authorize your own agents to purchase on your behalf with dollar limits, category controls, and approval workflows. Built on open standards.
The Agent Commerce Stack
Three layers that turn any business into an agent-ready merchant. Discovery. Authorization. Payment.
Discovery
PerfectPay lists your products on every AI shopping platform
Connect to PerfectPay and your catalog is automatically syndicated to ChatGPT (via ACP), Google AI and Gemini (via UCP), Perplexity, Microsoft Copilot, and every emerging AI shopping agent. One integration makes your products discoverable across all of them — like SEO, but for AI.
Authorization
Identity + payment authorization, unified and verified
Before an agent can transact, PerfectPay validates its authorization: who delegated it, what categories it can buy, how much it can spend, and whether it needs human approval. Encoded as JWTs for fast per-transaction checks, Verifiable Credentials for persistent identity, or OAuth tokens for platform API access — the schema is the same regardless of transport. Revocable in real time.
Payment
Smart routing + instant settlement via FedNow/RTP
Once authorized, the payment routes through our ML engine to the optimal processor. Settlement happens in seconds via FedNow or RTP. The merchant gets paid instantly. The agent reports success to its user. The entire flow completes in under 3 seconds.
Agent Authorization Controls
Every AI agent carries a W3C Verifiable Credential that defines exactly what it can do. Merchants verify it instantly. Users control it completely.
Scoped Identity
Each agent carries a cryptographically signed credential issued by the user. It cannot be forged, altered, or reused beyond its scope.
Budget & Category Controls
Set per-transaction limits, monthly budgets, allowed product categories, and blocked categories. The agent can only operate within these boundaries.
Human-in-the-Loop
Configure approval thresholds. Purchases above a certain amount trigger a push notification for human approval before the transaction proceeds.
Agent Payment Authorization
APA v1.0 — JWT / VC / OAuth
Every protocol. One platform.
The agent commerce ecosystem is fragmenting across protocols. PerfectPay unifies them all so your business is discoverable by every AI agent, regardless of which protocol it uses.
ACP
Agent Commerce Protocol
Discovery, catalog, and checkout for AI agents
Backed by OpenAI + Stripe
UCP
Unified Commerce Protocol
Standardized product and transaction schemas
Backed by Google
Visa TAP
Token Authentication Protocol
Agent-to-merchant token-based authentication
Backed by Visa
Verifiable Intent
Mastercard Verifiable Intent
Cryptographic proof of agent purchase intent
Backed by Mastercard
Agents on both sides. PerfectPay in the middle.
Agent commerce isn't one-directional. Buyers have agents that shop. Sellers have agents that sell. PerfectPay enables both — and lets them negotiate the best deal automatically.
Businesses That Buy
Corporate procurement agents purchase supplies, services, and inventory within policy — automatically. Set spending limits by category, vendor, and amount. Your agent finds the best price, negotiates payment terms, and completes the purchase.
Businesses That Sell
PerfectPay syndicates your product catalog to every major AI shopping platform — ChatGPT, Google AI, Gemini, Perplexity, Microsoft Copilot. One integration. Your products show up when any agent searches for what you sell. You get verified and paid instantly.
Agent-to-Agent Payment Negotiation
The buyer's agent and seller's agent negotiate payment terms in real-time. “Pay via FedNow for a 2% discount.” “ACH at net-0 for 1% off.” “I have a stablecoin wallet — best price?” The buyer's agent selects the optimal tender from what was negotiated. Programmatic payment optimization at the transaction level, in milliseconds.
The numbers don't lie
Stop overpaying.
Start settling instantly.
Join the merchants, platforms, and developers switching to smarter payments infrastructure.