Agentic Payment

The protocols and standards that will change the way we pay are emerging. We integrate agentic payment infrastructures: authenticated, secure, and executed within the same flow, without leaving the channel.

Proprietary Payment Agent (merchant with tokenized card)

We build your own payment agent that operates on the pre-existing relationship. The agent doesn't capture new data; it simply accesses the payment token already stored in your system or your gateway (Adyen, Stripe...).

A2A agentic payment

Integración conversacional y nativa con agentes de pagos de plataformas y entidades financieras.

El agente de pagos toma el control de la experiencia de autenticación: biometría nativa, push a la app del banco u otras alternativas, y asume toda la responsabilidad de la transacción. El usuario no abandona la conversación.

Lo que vuelve al agente orquestador es un estado: aprobado, rechazado, o pendiente. No hay tokens de tarjeta, no hay datos sensibles.

agentic interoperability zero data exposure

Coming soon

Native payment on conversational platforms

The ability to execute commercial transactions directly within the conversation (ChatGPT, Gemini, or others), without redirecting the user to an external site, without embedded forms, and without any context switch. The platform itself acts as the user's identity and payment layer.

What we build:

The payment layer within the agent

Payments MCP Server: charge, status inquiry, and cancellation capabilities for the commerce agent
Authentication logic: managing Strong Customer Authentication without breaking the conversational flow
A2A protocol: delegating payment intent to external financial agents
Audit and traceability: regulatory record of every transaction

Available

Integrates with:

Existing financial infrastructure

Banking institutions: integration via REST API today; via A2A once the bank has its own agent deployed.
Bizum: instant SEPA-based transfer integrated into the conversational flow.
Redsys/international gateways: direct integration or via gateway.
Open Banking APIs (PSD2): direct account-based payment initiation — no card schemes, requires a license or a regulated partnership.

Available

Made available on:

Owned channels and external platforms

Owned channels: web, app, contact center, kiosk — same payment agent across all of them.
Perplexity Shopping: payment already operational in conversational purchase flows today.
ChatGPT · Gemini · Copilot: enabling native payment with selected operators — early access active, not yet available to the general public.
Claude: A2A and MCP architecture already prepared for transactional integration.

Owned channels + Perplexity · TodayGPT
Gemini · Copilot · Coming soon

We interpret

This applies to each individual case, jurisdiction and financial institution. Technical expertise and active monitoring of regulatory developments.

We implement

We ensure that the protocol functions within the agentic conversational flow. It is in the gap between specification and production that we make our contribution.

We connect

We know which financial institutions’ payment agents already offer these capabilities, which are in beta and which have market-specific restrictions.

We maintain

An agent-based payment system built today must be able to evolve without having to be rebuilt. We designed it with that in mind from the outset.

Protocols and standards that are shaping agent-based payment

PSD2 – 3DS2

Strengthened authentication and regulated access to accounts. The legal basis for digital payments in Europe.

Open Banking – PIS/AIS

Setting up payments and accessing account information without an intermediary card.

OAuth 2.0 – FAPI

Secure authorisation between systems. FAPI provides the level of security required in the financial sector.

GNAP

Great Negotiation and Authorisation Protocol — the successor to OAuth, designed for agent-based flows.

Delegated identity

Emerging standards to enable an agent to act on behalf of a user whilst ensuring full traceability.

A2A Payment

Communication protocols between merchant agents and payment agents — currently being defined