Alternatives
Alternatives to PayOS for agent checkout
In short
9 other processors sit beside PayOS in the matrix, each with a sourced difference. Among them Checkout.com reads furthest along with 7 live or pilot cells. PayOS issues passkey-approved, scoped Agent Tokens that agents use in place of the card, and offers a PayOS Wallet.
The alternatives
| Alternative | One sourced difference | Matrix, protocol by protocol | Stated cells |
|---|---|---|---|
| Stripe | Processor and co-author of ACP and MPP. Sells to agents through Agentic Commerce Suite with Shared Payment Tokens, takes x402 and MPP machine payments, and runs Link Agent Wallet for agent builders. stripe.com, read 4 Nov 2026. | Stripe reads further along than PayOS for ACP, UCP, Visa TAP, Visa IC, Amex ACE, x402, MPP, Link for agents. | 5 live, 0 pilot, 5 announced |
| Adyen Agentic | Adyen's modular agentic commerce APIs (Agentic Feed, Agentic Cart, Agentic Payments), announced 16 Jun 2026 in limited availability for US enterprise merchants, with ACP and UCP payment flows in docs. adyen.com, read 4 Nov 2026. | Adyen reads further along than PayOS for ACP, UCP, AP2, Visa TAP, Visa IC, Amex ACE, x402. | 0 live, 2 pilot, 7 announced |
| PayPal agentic commerce services | PayPal's Agent Ready (payments from AI assistants over ACP and UCP via Braintree or PayPal Orders v2) and Store Sync (catalog distribution to AI surfaces), with access by request form. developer.paypal.com, read 4 Nov 2026. | PayPal reads further along than PayOS for ACP, UCP, AP2. PayOS is further along for Agent Pay for Machines. | 2 live, 0 pilot, 2 announced |
| Checkout.com agentic commerce | Checkout.com's single-integration agentic layer covering ACP, UCP, Visa Trusted Agent Protocol, AP2 and Mastercard Verifiable Intent, offered via a waitlist on its agentic commerce page. checkout.com, read 4 Nov 2026. | Checkout.com reads further along than PayOS for ACP, UCP, AP2, Visa TAP, Visa IC, Mastercard Agent Pay, Verifiable Intent. | 0 live, 7 pilot, 1 announced |
| Braintree (PayPal Enterprise Payments) | PayPal's enterprise processor, rebranded PayPal Enterprise Payments; it carries PayPal Agent Ready's ACP path (delegated tokens) and one UCP path (Google Pay handler). braintreepayments.com, read 4 Nov 2026. | Braintree reads further along than PayOS for ACP, UCP. PayOS is further along for Agent Pay for Machines. | 2 live, 0 pilot, 1 announced |
| Coinbase Developer Platform (x402) | Originator of x402, now under the Linux Foundation's x402 Foundation. CDP runs a hosted x402 facilitator on Base and Solana with OFAC and KYT screening and per-transaction fees. x402.org, read 4 Nov 2026. | Coinbase reads further along than PayOS for AP2, Visa TAP, Agent Pay for Machines, x402. PayOS is further along for Mastercard Agent Pay. | 1 live, 1 pilot, 2 announced |
| Crossmint | Agent-side payment platform: Agent Cards (vaulted cards with Visa Intelligent Commerce and Mastercard Agent Pay credentials), Agent Wallets for x402 and MPP, and Agent Checkouts on any website. crossmint.com, read 4 Nov 2026. | Crossmint reads further along than PayOS for UCP, AP2, Visa IC, Mastercard Agent Pay, Amex ACE, x402, MPP. | 5 live, 0 pilot, 3 announced |
| Skyfire | 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. Head-to-head, docs.skyfire.xyz, read 4 Nov 2026. | Skyfire reads further along than PayOS for Visa IC. | 0 live, 0 pilot, 3 announced |
| Worldpay (Global Payments) | Worldpay, now part of Global Payments, positions fraud tools, credential management, agent verification and a Worldpay MCP server for agent-led purchases, and says it works across ACP and UCP. worldpay.com, read 4 Nov 2026. | Worldpay reads further along than PayOS for ACP, UCP, AP2, Visa TAP. PayOS is further along for Mastercard Agent Pay. | 0 live, 0 pilot, 5 announced |
Back to the PayOS profile or the processors and enablers index.
Sources
- stripe.com/newsroom/news/agentic-commerce-suite, read 4 Nov 2026
- adyen.com/press-and-media/adyen-agentic, read 4 Nov 2026
- developer.paypal.com/agentic-commerce-services/about, read 4 Nov 2026
- checkout.com/newsroom/checkout-adopts-acp-backed-by-openai-to-power-agentic-commerce-for-enterprise-merchants, read 4 Nov 2026
- braintreepayments.com, read 4 Nov 2026
- x402 Foundation operational launch, read 4 Nov 2026
- crossmint.com/announcement/agent-commerce-toolkit-launch, read 4 Nov 2026
- docs.skyfire.xyz/llms.txt, read 4 Nov 2026
- worldpay.com/en/agentic-commerce, read 4 Nov 2026
- docs.skyfire.xyz/docs/payments-settlement.md, read 4 Nov 2026
- payos.ai, read 4 Nov 2026
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