---
title: "Skyfire vs PayOS: sourced differences | Agent Ready Checkout"
description: "Skyfire vs PayOS: Skyfire combines agent identity and payment in one signed token with its own settlement. Verdicts by reader type."
canonical: https://agentreadycheckout.com/compare/skyfire-vs-payos
site: "Agent Ready Checkout"
last_updated: 2026-11-04
section: "Head-to-heads"
---

# Skyfire vs PayOS: sourced differences | Agent Ready Checkout

> Skyfire vs PayOS: Skyfire combines agent identity and payment in one signed token with its own settlement. Verdicts by reader type.

Source: https://agentreadycheckout.com/compare/skyfire-vs-payos
Site: Agent Ready Checkout
Last reviewed: 2026-11-04

Head-to-head

# Skyfire vs PayOS

In short

Skyfire combines agent identity and payment in one signed token with its own settlement. On Visa IC the matrix reads Skyfire announced and PayOS no statement found. For a head of ecommerce engineering: PayOS tokens look like cards at your checkout; Skyfire needs integration.

## The sourced difference

Skyfire combines agent identity and payment in one signed token with its own settlement. PayOS issues network agent tokens with spend limits by merchant, amount and time, priced in prepaid credits (about 1 cent per token), and went fully self-serve on 30 Sep 2026. [docs.skyfire.xyz](https://docs.skyfire.xyz/docs/payments-settlement.md), read 4 Nov 2026.

## Verdicts by reader type

Head of ecommerce engineering

PayOS tokens look like cards at your checkout; Skyfire needs integration.

Payments lead

PayOS publishes prices; Skyfire does not.

## Side by side

| Measure | Skyfire | PayOS |
| --- | --- | --- |
| Kind | Processor | Processor |
| Operator | Skyfire Systems | PayOS |
| Homepage | skyfire.xyz | payos.ai |
| Matrix cells with a stated status | 0 live, 0 pilot, 3 announced | 0 live, 0 pilot, 2 announced |
| Published pricing | No pricing statement on file | Pay as you go in prepaid credits (1 credit about 1 US cent). PayOS Agent Tokens listed at 1 credit; add-ons extra; volume pricing on request. |
| A limit worth knowing | No published per-transaction fee found in docs or on the site. | Not a merchant acquirer in the PayOS materials read; it issues agent credentials and data. |

## Protocol by protocol: where the statuses differ

1 of 12 protocols read differently for Skyfire and PayOS on 4 Nov 2026.

| Protocol | Skyfire | PayOS |
| --- | --- | --- |
| Visa IC | announced | no statement found |
|  |
| 1 differences |  |  |

## Read the profiles

-   [Skyfire](https://agentreadycheckout.com/processors/skyfire)
-   [PayOS](https://agentreadycheckout.com/processors/payos)
-   [Alternatives to Skyfire](https://agentreadycheckout.com/processors/skyfire/alternatives)
-   [Alternatives to PayOS](https://agentreadycheckout.com/processors/payos/alternatives)

## Sources

1.  [docs.skyfire.xyz/docs/payments-settlement.md](https://docs.skyfire.xyz/docs/payments-settlement.md), read 4 Nov 2026
2.  [skyfire.xyz](https://skyfire.xyz), read 4 Nov 2026
3.  [payos.ai](https://payos.ai), read 4 Nov 2026
4.  [docs.skyfire.xyz/llms.txt](https://docs.skyfire.xyz/llms.txt), read 4 Nov 2026
5.  [payos.ai/agentic-tokens](https://payos.ai/agentic-tokens), read 4 Nov 2026

Last reviewed 4 Nov 2026

## Edition

Matrix edition of 4 Nov 2026.

Reviewed 4 Nov 2026, [5 sources](#sources-h).

## Method

[How cells, sources and read dates are defined](https://agentreadycheckout.com/method)