PayHeroPayHero

The AI agent for trusted, instant commerce

Tell it what you need. PayHero gets it done.

PayHero is a superfast AI agent that can search, book, buy, and pay on your behalf — within the rules you define.

See PayHero in actionRequest a demo
payhero · authorizationTXN-88412

Agent

Procurement-07

VERIFIED
OwnerAcme Corporation
Agent IDAGT-2841
MandateSoftware procurement
MerchantFigma
Transaction€144

Identity · Authority · Payments · Governance

Agent identified
Identity verified
Mandate retrieved
Merchant checked
Policy evaluated
Payment authorized
Transaction executed
Audit record created
DecisionEvaluating—
Avg. completion time
2.4s
Success rate
98.6%
AI agents active
24/7
Cost savings
+32%

Why PayHero

Fast action. Trusted control.

Autonomous execution inside the financial controls your business already requires.

  • Fast

    From intent to action.

    Requests become authorized payments in seconds, not workflows and waiting.

  • Intelligent

    AI-powered decisions.

    Agents evaluate options, merchants, and price against the outcome you asked for.

  • Trusted

    Built-in policy. Enterprise-grade trust.

    Verified agent identity, real-time policy checks, and a complete audit record.

  • Controlled

    You define the rules.

    Mandates, budgets, merchant allowlists, and approval thresholds you can revoke instantly.

ScenarioBook a flight to London under €500
  1. 01PROCESSING

    Search

    You request a flight to London.

  2. 02APPROVAL REQUIRED

    Policy check

    Agent validates policy and approvals.

  3. 03PROCESSING

    Best option

    AI finds the best route within €500.

  4. 04AUTHORIZED

    Payment

    Agent completes secure payment.

  5. 05COMPLETED

    Done

    Booking confirmed. Relax.

Agents that act. Outcomes you trust.

Hero, the PayHero agent, delivering a completed order

The shift

AI agents are becoming economic actors.

AI agents are beginning to do more than search, analyze, and recommend. They can increasingly act — and acting in the economy means moving money.

But today's payment infrastructure was designed primarily for humans and conventional applications.

What agents can already do

  • Purchase software
  • Book travel
  • Procure services
  • Manage subscriptions
  • Buy infrastructure
  • Negotiate with vendors
  • Execute transactions
  • Pay other autonomous systems

New questions before money moves

  • 01Which agent is acting?
  • 02Who does it represent?
  • 03What is it allowed to buy?
  • 04How much is it allowed to spend?
  • 05Which merchants can it use?
  • 06When does a human need to approve?
  • 07Who is accountable for the transaction?
  • 08Can its authority be revoked instantly?

PayHero provides the infrastructure to answer those questions before money moves.

Hero, the PayHero agent, dashing forward with a payment briefcase

Definition

Payments designed for autonomous AI agents.

Agentic payments allow an AI agent to initiate and complete transactions within authority delegated by a person or organization.

Unlike conventional payments, agentic payments require more than access to a payment method. They require a trusted framework connecting six layers.

  1. 01IdentityWho is the agent?
  2. 02OwnershipWhich individual or organization does it represent?
  3. 03AuthorityWhat has the agent been authorized to do?
  4. 04PolicyDoes this specific transaction comply with the rules?
  5. 05PaymentCan money be moved securely?
  6. 06AccountabilityCan the complete decision and transaction be audited?

PayHero connects all six layers.

Product

The infrastructure layer for trusted agent transactions.

Six capabilities that turn delegated business authority into enforceable payment infrastructure.

Agent identity

Know which agent is acting.

Every PayHero-enabled agent receives a persistent and verifiable identity linked to the person, company, or system it represents.

Agent IDVERIFIED

AGT-2841

NameProcurement-07
OwnerAcme Corporation
EnvironmentProduction

Every financial action can be attributed to a known agent.

Agent mandates

Define exactly what an agent is allowed to do.

PayHero mandates translate delegated financial authority into machine-readable rules.

  • Maximum transaction amount
  • Daily or monthly budgets
  • Merchant allowlists
  • Merchant blocklists
  • Purchase categories
  • Geographic restrictions
  • Validity periods
  • Approval thresholds
  • Subscription rules
  • Counterparty restrictions
MANDATE #PM-9024ACTIVE
AgentProcurement-07
Monthly limit€25,000
Per transaction€2,500
AllowedSoftware · Cloud infrastructure
RegionsEU + US
Human approvalAbove €5,000

Agents receive enough authority to operate — but never unlimited authority.

Policy engine

Evaluate every transaction before money moves.

Every transaction can be checked against identity, mandate, organizational policy, risk rules, merchant information, and approval requirements in real time.

Transaction€1,240
MerchantAWS
CategoryCloud infrastructure
Evaluation
Agent verified✓
Merchant allowed✓
Category allowed✓
Budget available✓
Approval not required✓
DecisionAUTHORIZED

Financial policy becomes executable infrastructure.

Payment credentials

Give agents payment capability without exposing company credentials.

PayHero can connect agent authority to secure payment credentials and payment infrastructure. Credentials are agent-specific, policy-aware, and revocable.

Credentialcred_8f21 · •••• 4417
Scopeagt_2841 only
Policy awaremandate_9024
RevocationInstant

Agents gain transactional capability without receiving unrestricted access to company financial accounts.

Human approval

Keep humans in the loop only when necessary.

Not every transaction requires manual approval. PayHero lets businesses define exactly when an agent can proceed autonomously and when a transaction must be escalated.

Requested€7,800
Autonomous threshold€5,000
ResultHuman approval required
ApproveRejectModify mandate

Automate routine payments while retaining control over exceptions.

Audit & accountability

Every autonomous action creates evidence.

PayHero creates an auditable record of how each financial decision was made.

  1. 14:02:11Agent authenticated
  2. 14:02:12Mandate retrieved
  3. 14:02:12Merchant checked
  4. 14:02:13Policy evaluated
  5. 14:02:13Transaction authorized
  6. 14:02:14Payment completed

Agent ID

agt_2841

Mandate ID

mandate_9024

Transaction ID

txn_88412

Policy version

v14

Decision

authorized

Timestamp

14:02:14 UTC

Businesses can understand exactly who did what, under which authority, and why.

Controlled autonomy

Autonomy without losing control.

An agent should be able to act independently — but only inside clearly defined financial mandates, permissions, budgets, and policies.

  • 01

    Faster execution

    Agents can complete routine economic actions instantly rather than waiting for manual workflows.

  • 02

    Lower operational overhead

    Automate procurement, subscriptions, travel, purchasing, and other repetitive financial activities.

  • 03

    Controlled financial risk

    Every agent operates inside predefined budgets, merchants, categories, and approval thresholds.

  • 04

    Complete accountability

    Every transaction remains connected to an identity, mandate, policy decision, and audit trail.

Adoption

Why businesses will adopt agentic payments.

  • 01

    24/7 economic execution

    AI agents can transact whenever opportunities or operational requirements arise.

  • 02

    Machine-speed commerce

    Reduce friction between decision and transaction.

  • 03

    Lower cost of operations

    Automate repetitive purchasing and financial workflows.

  • 04

    More precise control

    Instead of giving broad access to company payment methods, organizations can define granular authority.

  • 05

    Programmable governance

    Translate financial policies into rules that systems can enforce automatically.

  • 06

    New business models

    Enable agent-to-business and eventually agent-to-agent commerce.

Flow

From agent intent to authorized payment.

Eight stages connect an autonomous decision to a governed, auditable transaction.
  1. 01

    Agent initiates action

    An AI agent determines that a purchase or payment is required.

  2. 02

    Identity verified

    PayHero identifies the agent and the organization it represents.

  3. 03

    Mandate retrieved

    The agent's delegated financial authority is loaded.

  4. 04

    Policy evaluated

    The proposed transaction is evaluated against relevant rules.

  5. 05

    Approval determined

    PayHero determines whether the transaction can proceed autonomously or requires human approval.

  6. 06

    Payment authorized

    The appropriate payment credential or payment rail is enabled.

  7. 07

    Transaction executes

    The merchant receives payment.

  8. 08

    Audit record created

    The complete decision and transaction history is recorded.

Control plane

One control plane for every AI agent moving money.

Monitor agents, mandates, decisions, and spend across the organization in real time.
payhero · control plane
org_acme · production

Active agents

247

Transactions today

1,842

Authorized

96.4%

Escalated

2.8%

Blocked

0.8%

Spend today

€482,920

Filter
AgentMerchantAmountTimeStatus
Procurement-07AWS€1,24014:02:13AUTHORIZED
Travel-Agent-12Lufthansa€84013:58:44AUTHORIZED
Marketing-Agent-08Unknown Vendor€3,80013:51:02BLOCKED
Finance-Agent-03Adobe€62013:44:19AUTHORIZED

Mandate builder

Turn business authority into machine-readable rules.

Adjust the mandate and PayHero generates the policy an agent will be governed by.
Mandate builder#PM-9024

Agent

Procurement-07

Owner organization

Acme Corporation

Valid from

2026-01-01

Valid until

2026-12-31

Currencies

EUR · USD

Blocked merchants

Unverified vendors

Purchase categories

Countries

Generated policy

Procurement-07 may purchase approved software and cloud infrastructure in the EU and the United States for up to €2,500 per transaction, €4,000 per day and €25,000 per month. Transactions above €5,000 require human approval. Recurring payments are permitted. Authority can be revoked instantly.

mandate_idmandate_9024
agent_idagt_2841
per_transaction_max€2,500
daily_max€4,000
monthly_max€25,000
approval_threshold€5,000
categoriesSoftware, Cloud infrastructure
regionsEU, US
recurringtrue
emergency_revokeenabled
DraftEmergency revoke

Use cases

Agentic payments across the emerging autonomous economy.

  • Autonomous Procurement

    Agents source products and services and complete approved purchases automatically.

    • SaaS
    • Cloud infrastructure
    • Office supplies
    • Professional services
    • Vendor renewals

  • Agentic Travel

    Agents search, book, change, cancel, and pay for travel within corporate travel policies.

    • Flights
    • Hotels
    • Ground transport
    • Expenses

  • AI Marketplaces

    Enable autonomous systems to purchase tools, data, APIs, compute, and services.

  • Financial Operations

    Agents execute routine financial workflows within defined authority.

    • Vendor payments
    • Subscription management
    • Renewals
    • Expense management

  • Machine-to-Machine Commerce

    Machines and software systems can transact directly with each other.

  • Enterprise AI

    Give internal AI agents controlled economic capabilities without providing unrestricted corporate financial access.

Scenario

An AI agent needs to purchase software.

A single delegated task, evaluated end to end against identity, mandate, and policy.
TaskIn progress

Purchase a Figma Professional subscription.

Procurement agentProcurement-07
MerchantFigma
Price€144
Mandate
SoftwareAllowed
Monthly budget€5,000
Remaining€4,820
Max autonomous transaction€500
Authorization sequence
Agent verified
Mandate active
Merchant allowed
Software category approved
Budget available
No human approval required
Payment authorized
Transaction settled
DecisionEvaluating—
Hero, the PayHero agent, presenting a payment credential

The agent completes the task autonomously. The company retains complete control.

Developers

Built for autonomous systems. Designed for developers.

Integrate PayHero into agents, applications, marketplaces, and enterprise AI systems through developer-friendly APIs and agent-native protocols.
  • REST API
  • SDKs
  • Webhooks
  • MCP compatibility
  • Real-time authorization
  • Sandbox
  • Policy engine
  • Audit API
Explore developer documentation
RequestPOST/v1/transactions/authorize
{
  "agent_id": "agt_2841",
  "merchant": "figma",
  "amount": 144,
  "currency": "EUR",
  "category": "software"
}
Response200 OK
{
  "decision": "authorized",
  "mandate": "mandate_9024",
  "approval_required": false
}

Security & trust

Financial infrastructure requires more than intelligence. It requires trust.

  • 01

    Identity

    Every financial action is associated with a known agent and organization.

  • 02

    Authority

    Agents only operate inside delegated mandates.

  • 03

    Enforcement

    Policies are evaluated before transactions execute.

  • 04

    Accountability

    Decisions and transactions remain auditable.

Encrypted credentialsRevocable authorityPolicy versioningOrganizational controlsTransaction monitoringAudit logs

PayHero is designed for secure agentic payment infrastructure. Specific certifications and assurance reports are shared under diligence when available.

Hero, the PayHero agent, showing an audit dashboard on a device

Vision

The internet was built for humans to transact.The next economy will include AI agents.

AI agents will increasingly search, negotiate, purchase, subscribe, book, renew, and pay.

For that economy to scale, agents will need trusted infrastructure connecting their identity to the authority delegated by people and organizations.

Payments cannot simply be attached to an AI model.

  • Identity
  • Authority
  • Policy
  • Payment
  • Accountability

PayHero is building that infrastructure layer.

Comparison

Why traditional payment access is not enough.

Traditional payment model

PayHero agentic payments

Card or account access

Agent identity

Human user

Delegated authority

Static credentials

Machine-readable mandates

Broad permissions

Granular policy

Manual governance

Real-time authorization

—

Human escalation

—

Instant revocation

Transaction record

Full decision audit trail

Ecosystem

Infrastructure connecting the agent economy.

PayHero is an enabling layer between autonomous systems and the financial infrastructure they depend on — not the final consumer experience.
  • AI Agents
  • Enterprise Systems
  • Payment Providers
  • Banks
  • Wallets

Control plane

PayHero

identity · mandates · policy · payments · audit

ACTIVE
  • Commerce Platforms
  • Merchants
  • Marketplaces
  • Developers
Hero, the PayHero agent, dashing forward with a payment briefcase

Get started

Prepare your business for autonomous commerce.

Give AI agents the financial authority they need — with the controls your organization requires.

Book a demoTalk to PayHero