How it Works
Three Paths to Agentic Commerce
Every merchant begins from a different place. Payment Agent supports three ways to launch and expand agentic commerce—all through a single integration with your existing payment infrastructure.
1. Connect Your Existing Shopping Agent
Give your merchant-owned shopping agent a direct path to payment.
Customers use your shopping agent to discover and select products. When they are ready to buy, the agent sends the purchase request to Payment Agent. Payment Agent validates and interprets the request, coordinates the required payment actions, and completes the transaction through your existing payment infrastructure.
2. Launch an IXOPAY-Powered Agentic Shopping Experience
Offer conversational shopping without building your own AI assistant.
Embed an IXOPAY-powered chat experience directly into your website and connect it to your product catalog. The experience guides customers from product discovery and comparison through selection and payment. Payment Agent then coordinates the transaction through your existing payment infrastructure.
3. Accept Purchases from Third-Party Agents
Make your products and payment capabilities available to supported external agents.
A machine-readable manifest enables supported answer engines, AI shopping assistants, platforms, and marketplaces to discover your available commerce capabilities. When a customer chooses to buy, the third-party agent submits the purchase request to Payment Agent, which interprets and processes it through your existing infrastructure—regardless of the initiating channel.
Key Benefits
Launch Faster
Connect a shopping agent you already own, embed an IXOPAY-powered shopping experience, or enable purchases through supported third-party agents—without building the payment infrastructure from scratch.
Integrate Once
Use one consistent connection across supported shopping experiences, commerce channels, and payment protocols. Payment Agent abstracts the differences between emerging standards, reducing integration work and ongoing maintenance.
Leverage Your Stack
Route agent-initiated transactions through the IXOPAY Payment Orchestration Platform or send them directly to your existing gateway. No rip and replace required.
Avoid Lock-In
Build on a scalable foundation designed to support new agents, marketplaces, protocols, and payment providers as the ecosystem evolves—without lock-in to one AI platform or proprietary payment environment.
What You Get
One Intelligent Layer for Agent-Initiated Payments
Payment Agent sits between AI shopping experiences and your payment infrastructure, providing one consistent point of interaction for agent-initiated purchases.
For every request, it determines what is required to complete the transaction and coordinates the necessary payment actions, including:
Purchase-request validation
Payment credential handling
Tokenization
Authentication
Intelligent payment routing
Downstream transaction processing
Flexible Connectivity Without Rip and Replace
Add agentic commerce capabilities while continuing to use the payment systems and provider relationships you already have.
Payment Agent can send transactions through the IXOPAY Payment Orchestration Platform or connect directly to your existing gateway or payment stack. This gives you the freedom to:
Preserve existing payment infrastructure investments
Continue working with your current gateways, PSPs, acquirers, and orchestration providers
Choose how agent-initiated transactions are routed and processed
Add new agents, channels, protocols, and providers over time
Avoid dependence on a single AI platform or proprietary ecosystem
“Agentic commerce is coming to our Latin American merchants fast, and we want to make sure they don't have to re-engineer their checkout every time a new agent or protocol appears. With Payment Agent on IXOPAY's orchestration and tokenization platform, Tilopay merchants across the region and the Caribbean can start growing with agentic transactions today, on a foundation built to evolve as fast as needed to support this new channel in a safe and effective manner.”