Payments at the speed of intent.
Let AI agents discover, decide and pay — securely, inside the conversation.
The shift
Products
Whether your agent lives in an app, a chat window or a phone call, PayI turns intent into a completed transaction — without a redirect.
Embed agentic payments inside your app for contextual, one-step checkout. Customers never leave the flow.
Let users complete purchases right inside AI assistants, powered by UPI and every major payment method.
“Recharge my phone with the ₹299 plan.”
Voice-led discovery, decision and payment — with security and compliance handled quietly in the background.
How it works
The user tells the agent what they want, in plain language or voice.
A one-time, pre-authorised mandate sets clear spending limits the agent can never exceed.
The agent completes the payment in-flow — no redirects, no copy-pasting card numbers.
Instant confirmation for the user, real-time webhooks for you, full audit trail for everyone.
Payment rails
Pre-authorised, consent-based payments within user-defined limits. Users approve once — agents pay within the guardrails.
Delegated and shared authorisations — let family or teammates pay with controls you set.
redirects between intent and payment
consent, revocable any time
real-time fraud monitoring
Trust & security
Every agentic payment runs on guardrails the user sets and the network enforces.
No payment without a mandate the user approved — scoped by merchant, amount and time.
Per-transaction and periodic caps the agent physically cannot exceed.
Users pause or cancel an agent's access instantly, from any UPI app.
Every agent-initiated payment is scored for fraud and anomalies before it clears.
Know which agent paid, when, why and under which mandate — for every rupee.
Agents never see card numbers or PINs. Sensitive data stays in the vault.
Developers
Composable APIs, an agent toolkit and an MCP server — drop PayI into any agent framework or LLM platform.
// Let your agent pay — within the user's mandate
import { PayI } from "@payi/agent";
const payi = new PayI({ key: process.env.PAYI_KEY });
const payment = await payi.payments.create({
mandate: "mdt_9xQ2…",
amount: 184000, // ₹1,840.00
currency: "INR",
intent: "Weekly grocery reorder",
});
// → { status: "captured", id: "pay_7Hk…" }Join the early-access list. Tell us what you're building and we'll reach out.
FAQ
Payments that an AI agent initiates and completes on a user's behalf — inside an app, an LLM chat or a voice call — within limits the user has explicitly approved.
No. Every payment runs against a pre-authorised mandate with hard caps on amount, merchant and duration. Anything outside those limits is declined.
UPI-based reserve mandates are the primary agentic rail, with cards, wallets, netbanking and more available for standard flows.
No. PayI plugs into your existing stack through APIs, an agent toolkit and an MCP server.
We're onboarding early partners now. Sign up with your use case and our team will get in touch.