No Stripe account. No PCI forms. No dashboard. No disputes.
One skill install — your AI handles checkout, subscriptions, invoices, and global tax. Whop is the Merchant of Record so you're never liable.
Stripe added an MCP server. We built for agents from the start.
Real conversations. Real results. No config files, no Stripe dashboard, no PCI forms.
We designed this for agents, not developers. No documentation to read. No API keys to rotate. Just ask.
Works in Claude Desktop, Cursor, Windsurf, Goose, and any MCP-compatible tool.
No docs. No API keys to manage. No configuration files.
Checkout links, subscriptions, invoices — live in seconds. Whop absorbs chargebacks, tax, fraud, and banking. Your only job is cashing out.
Other platforms block bots. We built for them.
Zero KYC. Zero credit card. Your agent gets real test infrastructure in seconds.
Other platforms require human verification to create accounts. Ours doesn't. Agents are first-class citizens.
When your human is ready: one magic link to their phone. Tap, verify, real money starts flowing.
Every feature a serious payment system needs — pre-built, pre-configured, and accessible by your agent via plain English.
Every transaction routes through the optimal path automatically. Higher approval rates, lower fees. No configuration needed.
+18% approval rate avgVAT, GST, sales tax — every jurisdiction, automatically. Calculated, collected, and remitted. Zero filings. Ever.
190+ tax jurisdictionsML-powered fraud detection trained on millions of transactions. Whop handles every dispute — you're never liable as the Merchant of Record.
Whop handles all disputesOne tool call generates a payment link. Works in any currency, any country, any device. No redirect configuration. No DNS.
~200ms link generationRevenue, churn, LTV — all queryable by your agent in plain English. Ask "what's my MRR?" and get structured data back.
Real-time revenue APIPayments.AI is the Merchant of Record. Disputes, chargebacks, banking relationships, compliance audits — not your problem.
You're never liableEvery payment headache that slows down builders — gone. Your agent abstracts all of it.
2–4 weeks waiting, business verification, bank connections.
SAQ-A, SAQ-D, quarterly scans, annual audits. $20K+ if you store cards.
EU VAT MOSS, US sales tax nexus, GST registration. Different rules everywhere.
Evidence packages, 90-day windows, 1.5% chargeback rate threshold threats.
Configure per-currency, manage FX exposure, bank account per region.
Stripe SDK integration, webhook handling, idempotency keys, retry logic.
One skill install. Your agent is collecting money immediately, globally.
Processed through Whop's PCI-DSS Level 1 certified infrastructure. You never touch a card number.
190+ jurisdictions. Correct rate calculated per buyer. Filed on your behalf.
As Merchant of Record, Whop absorbs chargebacks. You're never the liable party. (Per Whop Seller Terms: you must maintain dispute rate below 2%.)
Smart routing picks the best path per transaction. Local payment methods included.
"Create a checkout for $97" → done. No SDK. No webhooks. No retry logic.
Your agent speaks 180+ currencies fluently. Sell to anyone, anywhere, in their local currency. Taxes calculated per buyer location.
Powered by Whop infrastructure — their scale is your scale.
Live transaction routing across 190+ countries
Stripe was built in 2010 for human developers building human-facing checkout flows. It's excellent at that. In 2024 they added an MCP server on top. That's retrofitting.
PAI was built in 2026 starting from a different question: What would payments look like if AI agents were the primary user from day one? Every design decision flows from that. Stripe MCP is a wrapper around a human product. This is native.
One payments skill. Every major AI coding tool. The config is already written — pick yours.
# One command — payments live in Claude Code claude mcp add --transport http payments-ai https://mcp.payments.ai/mcp # Or add to .mcp.json to share with your whole team: { "mcpServers": { "payments-ai": { "type": "http", "url": "https://mcp.payments.ai/mcp", "headers": { "Authorization": "Bearer ${PAYMENTS_AI_KEY}" } } } }
// ~/.cursor/mcp.json { "mcpServers": { "payments-ai": { "command": "npx", "args": ["-y", "@payments-ai/mcp-server"], "env": { "API_KEY": "${env:PAYMENTS_AI_KEY}" } } } }
// ~/.codeium/windsurf/mcp_config.json { "mcpServers": { "payments-ai": { "command": "npx", "args": ["-y", "@payments-ai/mcp-server"], "env": { "API_KEY": "${env:PAYMENTS_AI_KEY}" } } } }
// .vscode/mcp.json — commit this to share with your team { "servers": { // note: "servers" not "mcpServers" "payments-ai": { "command": "npx", "args": ["-y", "@payments-ai/mcp-server"], "env": { "API_KEY": "${input:paymentsApiKey}" } } } }
// Cline sidebar → MCP Servers → Edit Configuration { "mcpServers": { "payments-ai": { "command": "npx", "args": ["-y", "@payments-ai/mcp-server"], "env": { "API_KEY": "your-key-here" }, "autoApprove": [ "create_checkout", "list_products", "get_revenue" ] } } }
import { createMCPClient } from '@ai-sdk/mcp'; import { generateText } from 'ai'; const mcp = await createMCPClient({ transport: { type: 'http', url: 'https://mcp.payments.ai/mcp', headers: { Authorization: `Bearer ${process.env.PAYMENTS_AI_KEY}` }, }, }); const result = await generateText({ model: 'anthropic/claude-sonnet-4-5', tools: await mcp.tools(), // auto-imports all PAI tools prompt: 'Create a $99 checkout and return the link', });
Stripe is great for humans. It's not designed for agents. Here's the difference when your AI is the developer.
| Task | Stripe (built for humans, MCP retrofitted) | · Payments.AI built for agents from day one |
|---|---|---|
| Set up payments | 2–4 weeks of account setup | 30 seconds, one skill install |
| Handle taxes globally | Hire a tax accountant | Automatic, every jurisdiction |
| PCI compliance | SAQ forms, quarterly scans, audits | We're PCI Level 1. You're covered. |
| Fraud monitoring | Configure Radar rules manually | ML-native, zero-liability MoR |
| Multi-currency | Configure per-currency settings | 180+ currencies automatic |
| Agent integration | Stripe MCP available — still requires your own Stripe merchant account | Native MCP tools, plain English — agent-first from day one |
| Chargebacks & disputes | Build evidence packages yourself | We handle it. You keep the revenue. |
Built for the builder who ships fast and never wants to think about payments again.
Built on infrastructure that's processed $2.67B+ for 18M+ users. You inherit all of it.