Transform Your Payment Platform into an AI Commerce Network
Enable your Connect/Platform merchants to accept payments from a single authorization. Let customers and AI agents shop across your entire merchant network with one PayNote—while you handle orchestration, settlement, and trust.
You Have Thousands of Connected Merchants. Now Let AI Shop Across All of Them.
The Problem
Customers want to authorize AI agents to shop for them
AI needs to compare across multiple merchants
Current payment systems require separate auth per merchant
No way to do "shop for best price across approved sellers"
Your Solution: Marketplace PayNotes
One card authorization for your entire platform
AI agents can shop across all your sub-merchants
You control eligibility, limits, and settlement
New revenue stream from orchestration fees
Use a PayNote to Purchase — Start to Finish
See how an assistant coordinates a purchase and uses a PayNote for safe, rule-based payment from request to paid.
You ask for a professional hair dryer with constraints. The assistant lists eligible shops to contact.
Step 1 of 10
Platform Architecture
Your Role as IPSP/Payment Facilitator
What You Already Have
(Stripe Connect Model)
What PayNotes Add
Technical Integration Points
Existing Connect API
Extended with PayNote endpoints
Merchant Accounts
Standard connected accounts work
Settlement Engine
Your existing payout system
Risk Systems
Enhanced with PayNote patterns
Use Cases for Your Platform
Corporate Procurement Automation
B2B buyers using your platform
Companies authorize monthly budgets that work across all suppliers on your platform. AI agents handle purchasing within policy. You process everything.
AI Shopping Assistants
Consumer AI making intelligent purchases
"Find me office supplies under $500" becomes multiple optimized purchases across your merchants. AI compares, selects, buys—one auth covers all.
Subscription Aggregation
Multiple recurring payments, one authorization
Customers authorize $200/month for subscriptions. PayNote automatically distributes to multiple SaaS providers on your platform. Changes handled centrally.
Marketplace Arbitrage
Let AI optimize purchases across merchants
AI finds price differences, bulk discounts, shipping optimizations across your entire merchant network. One PayNote enables all transactions.
Drop-shipping Orchestration
Complex fulfillment from multiple suppliers
Single customer order fulfilled by multiple merchants. PayNote handles the splits, you handle the settlement. Clean and automatic.
Group Buying Platforms
Aggregate demand across buyers and sellers
Multiple buyers pool funds, AI negotiates with multiple suppliers, best deal wins. All on your payment rails.
Why Payment Processors Need This
Capture the AI Commerce Market
$500B in AI-driven transactions by 2027
Every AI agent needs payment capability. They'll gravitate to platforms that offer multi-merchant PayNotes. Be that platform.
Increase Connect/Platform Revenue
New fee opportunities everywhere
Reduce Fraud and Disputes
One auth instead of many = lower risk
Single point of authorization easier to monitor. AI spending patterns more predictable. Disputes handled at platform level.
Lock In Your Merchants
Massive competitive advantage
Merchants on your platform get access to AI shoppers. Those not on your platform don't. Watch your Connect signups explode.
Define the Standard
First mover owns the market
While Stripe/Adyen/Square study this, you ship it. Become the de facto standard for AI commerce. Own the category.
Regulatory & Compliance
You Already Have What's Needed
As a Payment Facilitator
PayNotes Add No New Requirements
Card Network Positioning
Revenue Model
New Revenue Streams
Per-PayNote Fees
Platform Growth
Example Calculation
FAQ for Payment Platforms
How does this differ from Stripe Connect?
It's Connect + multi-merchant auth. Same sub-merchant model, but one authorization can pay multiple merchants. Built for AI agents and complex purchasing.
Do we need card network approval?
No special approval needed. You're using existing auth/capture/settlement. PayNotes just orchestrate when and how much to capture to which merchant.
What about PCI compliance?
No change to PCI requirements. You're already compliant as a payment facilitator. PayNotes don't store additional card data.
How do chargebacks work?
Same as today, but clearer. You handle as payment facilitator. PayNote provides clear evidence of authorization and merchant fulfillment.
Can we white-label this?
Absolutely. PayNotes are open protocol. Brand it as your innovation. Your merchants, your rules, your revenue.
What about international?
Works with your existing capabilities. If you support international merchants and cards today, PayNotes work internationally.
Ready to Own AI Commerce?
Transform your payment platform into the infrastructure for autonomous commerce.
While your competitors study AI payments, you can ship them. Be the platform AI agents choose.