Now supporting agentic commerce

Payments,
built for
AI developers.

You ship AI applications. We handle merchant accounts, processing, and payouts. Live in minutes, not months — with revenue share that actually rewards builders.

20-min onboarding
Transparent pricing
Revenue share
Approved in 18m
payware.js — your-ai-app
import { Payware } from 'aipayware';   const pw = new Payware('pk_live_...');   // Charge per AI completion await pw.charges.create({   amount: 499,   currency: 'usd',   meta: { model: 'gpt-5', tokens: 12400 } });
200 OK · charge_1abc · settled in 1.4s
99.99% uptime
Merchant accounts Card processing Usage-based billing Revenue share Real-time settlement Agent payments Merchant accounts Card processing Usage-based billing Revenue share Real-time settlement Agent payments
The Problem

You can build AI in a weekend.
Plugging in payments takes months.

AI made software creation effortless. Payments didn't get the memo. Generic processors weren't built for the way AI products charge — and the gap is costing builders revenue, time, and momentum.

01

Months of merchant onboarding

Underwriting paperwork, MID applications, compliance reviews — while your launch window slips and competitors ship.

02

Pricing that punishes AI workloads

AI usage is bursty and unpredictable. Subscription-only billing platforms force you into models that don't fit how your product actually works.

03

No revenue share for builders

Big processors take their cut and walk away. We share processing revenue back with the developers powering volume.

What We Handle

The payment stack your AI app needs to ship.

Everything underneath the API call: licensing, processing, fraud, settlement, and the messy parts AI can't do for you.

Instant Merchant ID

Skip weeks of underwriting. Our streamlined onboarding gets qualified developers approved in under 20 minutes — full MID, full processing rights, zero paperwork shuffle.

Average approval time 18 min
Industry standard 14 days
Documents required 3

Usage-Based Billing

Charge per token, per completion, per agent action — or any custom metric. Built natively for the way AI products actually generate value.

Real-Time Spend Controls

Hard caps, alerts, and circuit breakers built in. No surprise bills, no runaway agents.

Fraud Protection

ML-driven risk scoring tuned for AI commerce patterns — high velocity, micro-transactions, agent-initiated charges.

Agentic Commerce Ready

Native support for AP2, ACP, and emerging agent-to-agent payment protocols. Built for what's next.

Revenue Share for Builders

Earn back a percentage of processing revenue on every transaction your application generates. The more your AI app scales, the more you keep — a model that finally aligns the platform with the people building on it.

Standard share 10% of processing
Volume tier (>$100K/mo) 15% of processing
Settlement Monthly · Automatic

Machine-Readable Docs

OpenAPI specs, schema-perfect responses, and an MCP server so your AI agents can integrate without humans in the loop.

20min
Average Onboarding
99.99%
API Uptime
1.4s
Avg Settlement
15%
Max Revenue Share
How It Works

From signup to first charge
in three steps.

i.

Apply for your Merchant ID

Tell us about your AI application. Our team reviews and underwrites in real time — no faxes, no week-long wait.

~ 18 minutes
ii.

Drop in the SDK

One install, one API key. Our SDK handles charges, refunds, webhooks, and metering. Works with any backend or framework.

~ 5 minutes
iii.

Process and earn

Start charging customers immediately. Track volume, manage payouts, and watch your revenue share accrue from day one.

Ongoing

Builders shouldn't have to learn payments to ship AI. The infrastructure should be invisible — so you can focus on what makes your product extraordinary.

— The AI Payware Manifesto
Pricing

Pricing builders understand.

No setup fees. No monthly minimums. No hidden FX markup. Just transparent transaction pricing — and revenue back when you scale.

Builder

Solo developers and prototypes shipping their first AI product.

2.6% + $0.10
PER SUCCESSFUL TRANSACTION
  • Full Merchant ID
  • API + SDKs (JS, Python, Go)
  • Real-time spend controls
  • Standard fraud protection
  • Email support
Start Building
Scale

High-volume AI platforms processing $100K+ monthly.

Custom
+ UP TO 15% REVENUE SHARE
  • Everything in Studio
  • Negotiated interchange rates
  • Dedicated underwriter
  • Custom MCC + risk profile
  • SLA-backed uptime
  • Named account manager
Contact Sales
Common Questions

Built for builders.
Answered for builders.

How is AI Payware different from Stripe or Square?

Stripe and Square are excellent general-purpose processors, but their onboarding, billing models, and developer surfaces weren't built for AI workloads — bursty usage, micro-transactions, agent-initiated charges, and unconventional revenue patterns. We specialize in qualifying and supporting AI developers from day one, with native usage billing, agent payment protocols, and a revenue share model that rewards the builders driving volume.

How long does merchant onboarding actually take?

Most qualified AI developers are approved in under 20 minutes. Complex businesses or high-risk verticals may take longer, but we've automated the underwriting steps that traditionally cause week-long delays. You'll know within the same business day in nearly every case.

What does "revenue share for builders" mean?

For every transaction processed through your application, we share back a percentage of the processing revenue with you — 10% on the Studio tier, up to 15% at Scale volumes. It's paid out monthly. The model exists because the developers building on us drive the volume; we think they should share in the upside.

Do you support agent-to-agent and agentic commerce payments?

Yes. We support emerging protocols including AP2, ACP, and similar agent payment standards. Our API is designed to handle agent-initiated transactions with proper MIT and CoF flagging, configurable 3DS rules, and idempotent webhooks — all the things agents need to transact reliably.

What happens if my AI agent loops and racks up charges?

Real-time spend caps and circuit breakers are built into every account. You can set hard limits per session, per customer, per day, or any custom dimension. If a threshold trips, charges pause automatically and you get notified — so a misbehaving loop never turns into a runaway bill.

Can I migrate from another processor?

Yes — and we make it easy. Our migration tooling pulls customer payment methods, subscription state, and historical data from major processors. Most teams switch over in a single afternoon with zero downtime.

Get in Touch

Let's talk about your integration

Ready to integrate?

Whether you're building a new AI product or migrating from another processor, our team can get you live fast. Fill out the form and we'll be in touch within one business day.

sales@aipayware.com
(470) 523-7702

Stop building payment infrastructure.
Start building AI.

Get your Merchant ID, drop in the SDK, and process your first charge today. Free to start, transparent forever.

Get Your Merchant ID → Talk to Sales