Hosted Agents

PerfectPay's hosted agent logic covers both sides of the transaction.

Hosted Buyer

Hosted buyer workflows include:

• comparison shopping
• auto-purchase rules
• reorders
• procurement-style flows
• negotiation handoff

Hosted Seller

Hosted seller workflows include:

• inventory-aware offers
• segmentation
• negotiation state
• payment offers that can favor instant settlement

Payment Offer Behavior

The hosted seller payment-offer module already models discounted instant options such as:

• fednow
• rtp

That gives a seller agent the ability to prefer cheaper and faster settlement methods over standard card rails when the buyer can accept them.

Approval and Guardrails

Hosted agent checkouts still pass through authorization and approval logic:

• spending limits
• category restrictions
• geographic or merchant constraints
• human-in-the-loop thresholds

Recommended Rollout

1. start with catalog search and checkout creation
2. add credential issuance and scoped budgets
3. turn on negotiation and hosted buyer automation after your payment offers are tuned