Vendor profile, agent-pay builder
PayOS
In short
PayOS gives agents tokens capped by merchant, amount and time and sells card, bank and agent data, charged per API call. Credits are prepaid at about one US cent each, with no subscription or contract. Mastercard named it an enabler as Agent Pay went live for American cardholders. PayOS moves no money itself and works with any processor.
At a glance
- What it is
- Processor-agnostic payments data and agent-token company: issues network agentic tokens with merchant, amount and time limits for agents, and sells card, bank and agent data per API call.
- Type
- Agent-pay builder
- Homepage
- payos.ai
- Matrix column
- 0 live, 0 pilot, 2 announced, 0 not supported, 10 with no statement found
PayOS in the matrix - Last read
What it does for this layer
- PayOS sells its products by pre-purchased credits spent per API call, with no subscription, contract or monthly minimum. payos.ai, read 5 Nov 2026.
- PayOS prices one credit at about one US cent, so 1 USD buys about 100 credits. payos.ai, read 5 Nov 2026.
- PayOS lists Agent Data among its data products, alongside card, bank, business, transaction, user and profile data. payos.ai, read 5 Nov 2026.
- PayOS markets bank account and bank ownership verification for use before money moves. payos.ai, read 5 Nov 2026.
- PayOS says its data aims at higher authorisation rates and lower fraud for agent and other payments, data a merchant's PSP does not supply. payos.ai, read 5 Nov 2026. Vendor claim
- Mastercard named PayOS among the agentic commerce enablers going live as Agent Pay rolled out to U.S. cardholders in 2025. mastercard.com, read 5 Nov 2026, dated 10 Sep 2025. Secondary source
Partner lists that name it
| Where it appears | Source | Basis | Read |
|---|---|---|---|
| Partner logos on the Mastercard Agent Pay page | mastercard.com | Observed | 5 Nov 2026 |
Products and plans
| Product | What it is | Price on file |
|---|---|---|
| PayOS Agent Tokens | Network-issued agentic credentials with spend limits by merchant, amount and time. | No price on file |
| PayOS data APIs | Card, bank, business, transaction, user, profile and agent data sold per call. | prepaid credits per API call 1 credit is about 1 US cent (USD) Per-product credit rates on the pricing page. payos.ai, as of 5 Nov 2026 |
Standards
| Standard | Matrix status and cell | Source and read date |
|---|---|---|
| ACP | no statement found 4 Nov 2026 | |
| UCP | no statement found 4 Nov 2026 | |
| AP2 | no statement found 4 Nov 2026 | |
| Visa TAP | no statement found 4 Nov 2026 | |
| Visa IC | no statement found 4 Nov 2026 | |
| Mastercard Agent Pay | announced 4 Nov 2026 | pymnts.com, read 4 Nov 2026 |
| Agent Pay for Machines | announced 4 Nov 2026 | mastercard.com, read 4 Nov 2026 |
| Amex ACE | no statement found 4 Nov 2026 | |
| x402 | no statement found 4 Nov 2026 | |
| MPP | no statement found 4 Nov 2026 | |
| Link for agents | no statement found 4 Nov 2026 | |
| Verifiable Intent | no statement found 4 Nov 2026 |
Checks on this vendor's domains
| Check | Result | Domain read | Dated | Source |
|---|---|---|---|---|
| Ora agent-readiness score (cached) | no cached score (HTTP 404, DOMAIN_NOT_SCANNED) | payos.ai | 5 Nov 2026 | ora.ai |
| Cloudflare isitagentready scan | 20/100 (L1 Basic Web Presence) | payos.ai | 5 Nov 2026 | POST /api/scan on isitagentready.com, documented in llms-full.txt |
| Homepage fetch at build | HTTP 200 | payos.ai | 5 Nov 2026 | payos.ai |
What it does not do
- PayOS does not process or settle payments as an acquirer; it describes itself as processor-agnostic.
- PayOS does not require a subscription or contract for its pay-as-you-go plan.
Related pages on this site
- PayOS, processor profile
- All agent-pay builders in the vendors section
- All vendors
- The protocol support matrix
Sources
- payos.ai, read 5 Nov 2026
- payos.ai/pricing, read 5 Nov 2026
- Mastercard unveils new tools and collaborations, read 5 Nov 2026
- Mastercard Agent Pay, read 5 Nov 2026
- payos.ai/agentic-tokens, read 4 Nov 2026
- pymnts.com/, read 4 Nov 2026
- Mastercard launches Agent Pay for Machines, read 4 Nov 2026
- Ora cached score record for payos.ai, read 5 Nov 2026
- isitagentready scan service documentation (llms-full.txt), read 5 Nov 2026
Last reviewed