Processor profile
PayOS
In short
Payments data platform with PayOS Agent Tokens and PayOS Wallet: passkey-approved, scoped network tokens agents use in place of the card. Announced but not yet live: Mastercard Agent Pay, Agent Pay for Machines. PayOS Agent Tokens: the network issues a credential the agent uses at any website while the card number stays hidden; consent is captured by passkey.
Fact sheet
- Type
- Processor
- Operator
- PayOS
- Homepage
- payos.ai
- Matrix reach
- 0 live, 0 pilot, 2 announced, 0 not supported, 10 with no statement found
- Published pricing
- 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. payos.ai, read 4 Nov 2026
The column in full: every protocol
| Protocol | Status | Note | Source and read date |
|---|---|---|---|
| ACP | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| UCP | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| AP2 | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| Visa TAP | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| Visa IC | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| Mastercard Agent Pay | announced | PYMNTS reported on 29 Sep 2025 that PayOS and Mastercard completed a live payment with a Mastercard Agentic Token; PayOS's own agent-token page does not name Mastercard | pymnts.com, 4 Nov 2026 |
| Agent Pay for Machines | announced | Named among AP4M initial participants | mastercard.com, 4 Nov 2026 |
| Amex ACE | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| x402 | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| MPP | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| Link for agents | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| Verifiable Intent | no statement found | no statement found (2026-11-04) | payos.ai, 4 Nov 2026 |
| 0 live or pilot of 12 |
What PayOS does not do
- Not a merchant acquirer in the PayOS materials read; it issues agent credentials and data.
- No Visa Intelligent Commerce, ACP or UCP statement found.
Sourced facts
- PayOS describes itself as processor-agnostic and protocol-agnostic, selling payments data for the agentic economy. payos.ai, read 4 Nov 2026.Vendor claim
- PayOS Agent Tokens: the network issues a credential the agent uses at any website while the card number stays hidden; consent is captured by passkey. payos.ai, read 4 Nov 2026.
- Agent tokens carry spend limits by merchant, amount and time. payos.ai, read 4 Nov 2026.
- PayOS and Mastercard completed a live agentic payment using a Mastercard Agentic Token, reported 29 Sep 2025 (PYMNTS). pymnts.com, read 4 Nov 2026.Trade press
- PayOS partnered with Browserbase on 2 Sep 2026 so browser agents can reach any website and pay on it. payos.ai, read 4 Nov 2026.
- PayOS made every product, including agentic payments, available through its self-serve portal on 30 Sep 2026. payos.ai, read 4 Nov 2026.
- PayOS is named among initial participants of Mastercard Agent Pay for Machines. mastercard.com, read 4 Nov 2026.
In the vendors section
- PayOS, agent-pay builder profile
Compare and alternatives
Sources
- payos.ai, read 4 Nov 2026
- payos.ai/agentic-tokens, read 4 Nov 2026
- pymnts.com/, read 4 Nov 2026
- payos.ai/blog/payos-browserbase-agents-ready-to-pay, read 4 Nov 2026
- payos.ai/blog, read 4 Nov 2026
- Mastercard launches Agent Pay for Machines, read 4 Nov 2026
- payos.ai/pricing, read 4 Nov 2026
Last reviewed