Built for the AI Economy

The payments layer for
the AI economy.

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.

180+currencies
30 secsetup
ZeroPCI forms
$0monthly fee
Get Started FreeSee It In Action
agent session90s zero → charging
$ openclaw skill install payments-ai
✓ Skill installed. payments-ai@1.0.0

# Agent prompt: "Set up payments for my app"

[payments-ai] Creating merchant account...
✓ Account created: mer_abc123 (test mode)

[payments-ai] Creating products...
✓ "Starter Plan" — $29/mo (plan_start_abc)
✓ "Pro Plan" — $99/mo (plan_pro_xyz)

[payments-ai] Setting up webhooks...
✓ payment.succeeded → https://yourapp.com/webhooks/pai
✓ subscription.canceled → https://yourapp.com/webhooks/pai

[payments-ai] Ready.
Test card: 4242 4242 4242 4242
Checkout: https://paidev.dev/c/start_abc

# When ready to go live: "go live" → magic KYC link sent to your phone

Powered by infrastructure processing $2.67B+ for 18M+ users worldwide.

Use Cases

Whatever you're building, your AI handles payments.

Real conversations. Real results. No config files, no Stripe dashboard, no PCI forms.

Your Coding Agent
Connected to Payments.AI
"Add a $197 course with a 3-payment plan option. Email the checkout link when done."
Done.
Created "Premium Course" at $197 one-time or 3 × $74/mo. Checkout: paidev.dev/c/course-a9k2
94%
checkout completion rate
8
seconds from prompt to live link
180+
currencies accepted, automatic
How It Works

Three steps. Then you're done.

We designed this for agents, not developers. No documentation to read. No API keys to rotate. Just ask.

1

Install the skill once

Works in Claude Desktop, Cursor, Windsurf, Goose, and any MCP-compatible tool.

openclaw skill install payments-ai
2

Ask in plain English

No docs. No API keys to manage. No configuration files.

"Add a $29/mo Pro plan with 14-day trial and send me the checkout link."
3

Money moves. Forever.

Checkout links, subscriptions, invoices — live in seconds. Whop absorbs chargebacks, tax, fraud, and banking. Your only job is cashing out.

Global from day one.
What's Included

Everything, handled. Nothing missing.

Every feature a serious payment system needs — pre-built, pre-configured, and accessible by your agent via plain English.

Smart Routing

Every transaction routes through the optimal path automatically. Higher approval rates, lower fees. No configuration needed.

+18% approval rate avg

Tax on Autopilot

VAT, GST, sales tax — every jurisdiction, automatically. Calculated, collected, and remitted. Zero filings. Ever.

190+ tax jurisdictions

Fraud Shield

ML-powered fraud detection trained on millions of transactions. Whop handles every dispute — you're never liable as the Merchant of Record.

Whop handles all disputes

Instant Checkout

One tool call generates a payment link. Works in any currency, any country, any device. No redirect configuration. No DNS.

~200ms link generation

Agent Analytics

Revenue, churn, LTV — all queryable by your agent in plain English. Ask "what's my MRR?" and get structured data back.

Real-time revenue API

Full MoR Coverage

Payments.AI is the Merchant of Record. Disputes, chargebacks, banking relationships, compliance audits — not your problem.

You're never liable
Pain Eliminated

Never deal with this again.

Every payment headache that slows down builders — gone. Your agent abstracts all of it.

Stripe account setup & approval

2–4 weeks waiting, business verification, bank connections.

PCI compliance forms & audits

SAQ-A, SAQ-D, quarterly scans, annual audits. $20K+ if you store cards.

Tax registration in every country

EU VAT MOSS, US sales tax nexus, GST registration. Different rules everywhere.

Dispute & chargeback management

Evidence packages, 90-day windows, 1.5% chargeback rate threshold threats.

Currency conversion & FX risk

Configure per-currency, manage FX exposure, bank account per region.

Building your own payment API wrapper

Stripe SDK integration, webhook handling, idempotency keys, retry logic.

Comparison

Why not just use Stripe?

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.
Born Agent-Native

We didn't add AI to payments.
We built payments for AI.

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.

MCP-native tool schema — not a wrapper
Every tool has clear input/output types designed for agent consumption. Stripe MCP is a convenience layer. Ours is the architecture.
next_steps[] in every response
Every API response tells the agent exactly what to do next. Agents self-guide without docs. Stripe MCP doesn't have this.
Magic escalation links
When an agent hits a wall requiring human action, we generate a pre-authenticated one-tap URL. The agent keeps running. No dashboard login.
agent tool calls — liverunning
12:04:01 tool_use create_checkout(amount: 9900, currency: "usd")
12:04:01 → ok https://paidev.dev/c/abc123
12:04:01 next_steps: ["send_link_to_user", "listen_for_payment.succeeded"]
12:04:32 webhook payment.succeeded
12:04:32 → ok amount: $99.00 from user_42
12:05:14 tool_use get_revenue(period: "mtd")
12:05:14 → ok $24,815.00 (214 charges)
12:05:14 next_steps: ["compare_to_last_month", "view_top_customers"]
12:05:48 tool_use go_live()
12:05:48 → ok magic link sent → +1 (***) ***-4242
Global Coverage

Built for builders everywhere.

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.

$2.67B+
Lifetime GMV processed on Whop infrastructure
18M+
Users transacting on the platform
180+
Currencies, automatic
195
Countries covered
🇺🇸NYC → LON$2,400200ms
🇧🇷SAO → NYCR$890180ms
🇯🇵TYO → SYD¥45,000210ms
🇮🇳BOM → SGP₹18,500195ms

Live transaction routing across 190+ countries

Integrations

Already in the tools you use every day.

One payments skill. Every major AI coding tool. The config is already written — pick yours.

Anthropic · Terminal CLI · Best-in-class agentic coding · HTTP MCP transport
terminal
# One command — payments live in Claude Code
claude mcp add --transport http payments-ai https://mcp.payments.ai/mcp \
  --header "Authorization: Bearer ${PAYMENTS_AI_KEY}"

# Or add to .mcp.json to share with your team:
{
  "mcpServers": {
    "payments-ai": {
      "type": "http",
      "url": "https://mcp.payments.ai/mcp",
      "headers": {
        "Authorization": "Bearer ${PAYMENTS_AI_KEY}"
      }
    }
  }
}
Then ask"Add a $29/mo Pro plan and send me a checkout link"
Also works with
AiderContinue.devZedClaude DesktopOpenAI Agents SDKLangChainCrewAIAutoGenLlamaIndexPydantic AIMastran8nZapier AI
Built For

Who this is for.

Built for the builder who ships fast and never wants to think about payments again.

Great fit
  • Vibe coders shipping in Cursor, Lovable, Bolt, or Replit
  • AI agents that need to monetize themselves
  • Indie hackers who never want to see a Stripe dispute again
  • Founders who need invoicing without opening a dashboard
Not for
  • Agent-to-agent crypto micropayments at sub-cent scale
Building a platform?

White-label checkout, connected accounts & revenue splits for enterprise builders.

Payments.AI for Platforms

Your AI is 30 seconds from its first payment.

Built on infrastructure that's processed $2.67B+ for 18M+ users. You inherit all of it.

Get Started FreeView Integrations

Powered by Whop — $2.67B+ processed · 18M+ users · 183K+ sellers

Free to start · 2.7% + 30¢ per transaction · No monthly fees · Cancel anytime