PayOS Partners with Mastercard and Visa Intelligent Commerce, Emerges From Stealth
PayOS is emerging from stealth and thrilled to announce partnerships with Mastercard and Visa, delivering AI developers direct, global access to the world’s leading payment networks.
Agents Are Ready to Act. But Can They Pay?
AI agents are getting smarter by the day, able to browse, compare, negotiate, and even make decisions on our behalf. They’re poised to transform how we interact with digital commerce: booking flights, restocking groceries, tipping creators, managing subscriptions, and more.
But there’s historically been one critical gap for agents: payments.
1. Reliable Checkout is Paramount
Checkout has been optimized for humans, and experiences are wildly varied, from one-click to multi-page forms. We want to provide AI agents with a standard way to press “pay” and reliably navigate these flows.
2. Security is Non-Negotiable
Agents need access to user payment credentials to function. But agents handling raw card data can pose compliance, security, and liability challenges.
3. Agents Need Trusted Identity Online
Today’s payment flows are built for humans and assume a human payor with legal identity. Agents don’t have that. That can lead to merchant skepticism, failed verifications, and unclear dispute handling.
4. Other Methods can be Expensive and Hard to Scale
Traditional virtual cards (without network tokenization) can introduce friction for agentic use-cases, often impacting rewards, adding overhead, and increasing operational complexity. Agentic developers need immediate, scalable solutions that work within the systems users already trust.
5. Billing Was Designed for Static SaaS, Not Agents
Traditional billing systems expect humans to initiate, approve, and manage payments. Agents can accelerate and streamline these processes, but they need infrastructure for usage-based, event-triggered, and recurring billing, with logic tied to real-world actions, not static subscriptions.
The PayOS Advantage: Built for Agentic Commerce
PayOS unlocks value for agentic developers by powering the full lifecycle of agent-driven commerce, vaulting cards, enabling checkout, moving money, and billing users. Simultaneously, it provides users with the trust and safety they need to interact with agents.
PayOS provides a single, card-based platform that lets users link a card once and unlock it across all agentic workflows. It’s built for autonomy, includes human-in-the-loop controls, and works with any processor.
And today, we’re emerging from stealth and thrilled to announce our partnerships with Mastercard and Visa. Through working with Mastercard to leverage Mastercard Agentic Tokens and partnering with Visa Intelligent Commerce, PayOS will deliver AI developers direct, global access to the world’s leading payment networks.
Our vision is simple: empower autonomous agents to handle money as effortlessly, and safely, as humans do. PayOS is the payments operating system making that vision a reality, powering secure and frictionless commerce for the agent-driven economy.
The future of agentic commerce hinges on getting payments right. By creating value for agents and users together, PayOS doesn’t just remove friction, it unlocks entirely new experiences.
What PayOS Offers
1. Agentic Checkout
PayOS turns any card into a secure, PCI-exempt proxy card that agents can use instantly. For Mastercard credentials, this means a Mastercard Agentic Token. No merchant changes, works out of the box. Users keep their card rewards. No pre-funding or top-ups needed. Processor-agnostic infrastructure.
2. Agentic Send & Receive
With one linked card, PayOS makes sending and receiving funds simple, push (send) or pull (receive) funds without re-entering card details, with human-in-the-loop approval and developer-defined limits, all powered by a PCI-secure vault and processor-agnostic end to end.
3. Agentic Billing
A billing engine purpose-built for agents, card-native and easy to integrate. Usage or outcome based billing that updates as agents work, smart retries that auto-handle declines, and autonomous invoice triggers for agent-initiated billing.
Why End Users Win with PayOS
- One card, unlimited experiences: link a card once, and it works across any PayOS-enabled agent or app.
- Built-in trust and safety: no raw card data shared. Human approvals and limits give control without sacrificing autonomy.
- Rewards stay intact: users keep cashback, points, and rewards without disruption when using AI agents.
- Seamless upgrades over time: as agents gain new abilities, users don’t have to lift a finger, PayOS handles it automatically.
Partner Perspective: A Shared Vision for the Future
Harnessing the potential of AI to enable seamless, secure, and intelligent transactions will define the future of commerce. With Mastercard Agent Pay, we are taking our proven tokenization technology to new heights. PayOS clearly shares this vision, and we’re excited to team up to expand the reach and impact of agentic commerce globally.
We’re proud to partner with PayOS to power agentic payments, pull, push, and billing for AI agents, enabling seamless transactions at scale.
VGS is excited to work with PayOS to provide Network Tokens via our direct connection with the networks. Tokenization is at the forefront of empowering agentic commerce and we’re proud to partner with PayOS, a pioneer for agentic card payment platforms.
About PayOS
PayOS is a next-generation card-based payments and billing platform powering agent-driven commerce. The platform enables agents to securely vault cards, streamline checkouts, send and receive payments, and manage billing, all through a unified, compliant system. Processor-agnostic by design, PayOS offers businesses secure, flexible integration with their preferred payment processors.