Artificial intelligence already works across most industries. It keeps expanding as teams automate more tasks in health, retail, and finance. One clear step in finance is agentic payments. TechCrunch reports that Google launched the Agent Payments Protocol, an open standard that lets AI agents start and finish user-approved purchases with a verifiable trail and support from more than 60 partners.

Momentum is growing beyond one launch. Visa and Mastercard introduced tools for agent-led shopping.  Many AI development companies are adding these flows as demand rises, with growing needs for automation that still keeps strong controls and audit trails. This article lists solution providers that can help a business or an entrepreneur implement agentic payments in existing systems.

What are Agentic Payments?

Agentic payments let a trusted AI agent make payments for a business. The business sets clear rules. That includes how much it can spend, who it can pay, and when it can act. The agent checks those rules each time and only pays when they match.

It uses secure methods like tokenized cards, approved bank transfers, or crypto. Every step gets a timestamped record. Teams can review the record, export it, and audit it later. The same setup works across card, bank, and crypto rails, so nothing needs to be rebuilt.

Why Agentic Payments Matter in 2025

Agentic payments become a practical way to run payments with clear rules and proof. They can move routine transactions 24/7, cap spend, and pause risky actions for review. Finance teams get faster settlement and audit-ready logs without rebuilding flows across cards, bank transfers, and crypto.

Read also: How to Build AI Agent Complete Guide

Top 7 Agentic Payments Solution Providers in 2025

1. TokenMinds

As a Web3 and AI development company, TokenMinds has expanded their services into finance with an agentic payments solution. This AI agents initiate and complete payments under clear mandates, budgets, and allowlists. Each action records consent and context, then posts an auditable log. The stack runs on today’s rails across cards, bank transfers, and crypto.

This helps teams cut manual work, speed settlement, and tighten compliance. High-risk moves route to human review. Deployments support cloud or private setups with enterprise monitoring and exports to ERP and data tools. Proven by their clients' results, TokenMinds achieved 40% operational efficiency boost using agent-led transaction orchestration

What makes TokenMinds different is a policy-first design and full-stack delivery from design to launch. Cross-rail integration means one approach for card, A2A, and on-chain payments. Deployments support cloud or private environments with enterprise logging and monitoring. Experience in Web3, gaming, and fintech brings proven execution into finance.

Key services:

• Agent setup and mandate design

• Policy engine and decision logic for payment systems

• Human-in-the-loop controls

• Enterprise integrations

Read also: AI Development Complete Guide

2. Skyfire

Skyfire provides an agentic payments system and identity built for the AI economy. It enables AI payment agents to process payments, verify identities, and access services without human intervention. The platform highlights autonomous payments, Know Your Agent (KYA) identity, and new revenue from selling to AI agents.

A documented flow shows how agents request a service via API, pass KYA checks for identity and payment, then complete payment processing as the service is delivered.

Key services:

• KYA identity verification for AI agents.

• Agent payments and autonomous checkout.

• API-based service request and payment processing.

3. Prava

Prava offers a payments stack for AI agents. The site states support for single-click checkout from AI apps, smart wallets, spend limits, a unified dashboard, and one wallet for multiple agents. A sandbox launch is noted as coming soon in Q3 2025.

Integration is positioned as fast. Developers can generate an API key and turn an AI payment agent into a paymaster in under 20 lines of code. Use cases listed include shopping from AI apps, real-time API usage billing, payroll settlement, and Shopify purchases from AI apps.

Key services:

• Smart wallets for AI agents. 

• Spend limits and financial controls.

• Developer API and unified dashboard integration.

4. Nevermined

Nevermined focuses on monetizing every AI payment agent request. The site presents an agentic financial stack with pricing models, instant payouts, and universal IDs. Core modules are Nevermined Pay and Nevermined ID. Features include real-time metering, usage, outcome, and value-based pricing, instant settlement in fiat or crypto, and support for agent-to-agent and human-to-agent payments.

The product pitch highlights fast integration, revenue control, and visibility into agents, users, and streams. Positioning emphasizes onboarding any human or agent and monetizing each interaction from one stack.

Key services:

• Real-time metering and flexible pricing models.

• Agent-to-agent and human-to-agent payments with instant settlement.

• ID onboarding paired with Pay for end-to-end revenue control.

5. Payman

Payman enables AI agents to move real money with controls. The site states SOC 2 and PCI, manual approvals, spending limits, payee allowlists, tracking, and SDKs plus APIs. It lists compatibility with Vercel AI SDK, OpenAI, Anthropic, and LangChain. It also announces USDC wallets for digital asset transactions. This is a fit for teams building agentic payments flows. It also fits an AI agent development that needs guarded execution.

Features include instant AI autonomous transactions, built-in security and compliance, approval workflows, configurable limits, reference IDs with real-time status, and payment reporting. Use cases named on the site include fintech, trading, personal finance assistants, and gaming. 

Key services:

• Secure AI-to-bank connection with SOC 2 and PCI controls.

• Approval workflows, spending limits, payee allowlists, and tracking.

• SDKs and APIs with listed support for Vercel AI SDK, OpenAI, Anthropic, LangChain, and USDC wallets

6. Nekuda

Nekuda presents a wallet infrastructure that lets AI agents pay with control and trust. The site states native support for OpenAI’s Agentic Commerce Protocol, support for Visa and Mastercard agentic payments frameworks, and no PCI burden for agent developers because sensitive data isn’t exposed. Positioning centers on “Let the Agents Pay” with a focus on developer docs, ACP tools, and an agent wallet. This aligns with teams building agentic payments and fits work by an AI agent development company.

Messaging also references an agentic commerce stack, challenges in current rails, and a mission to build rails that support agents paying on behalf of users. Public pages link to docs and ACP tooling, including an ACP checkout gateway and validator CLI.

Key services:

• Agent wallet with ACP support for agentic payments.

• Support for Visa and Mastercard agentic payments frameworks.

• Developer tooling and docs for agent payments integration

7. IXOPAY 

IXOPAY provides enterprise payment orchestration with tokenization, connectivity, compliance, and AI analytics. The site highlights goals such as improving authorization rates, adding processors, supporting new geographies, PCI compliance, owning payment data, gaining insights, and reducing fraud.

Product areas include a platform and connectivity, a white-label option, and modules such as universal tokens, network tokens, account updater, BIN lookup, 3DS, P2PE, risk and fraud services, payment adapters, intelligent routing, and reconciliation and settlement. Developer docs, SDKs, and plug-ins are linked from the site.

Key services:

• Payment orchestration platform and connectivity.

• Tokenization with universal and network tokens. 

• 3DS, P2PE, and risk and fraud services. 

• Intelligent routing, reconciliation, and settlement. 

Agentic Payment Architecture

The agentic payment flow follows a simple sequence:

1. The AI agent reads the payment policy and checks its spending limits

2. It validates the payee and confirms that the transaction fits the approved list

3. The system requests consent from the user or business before moving funds

4. Once approved, the agent executes the payment and records the action

5. A timestamped log stores each decision for audit and review

How Agentic Payments Benefit a Business

Agentic payments remove repetitive steps. So any payment approvals and settlements move faster and automatically. 

• Saves time

Agents handle routine payments. Teams spend less time clicking buttons and fixing repeats.

• Works 24/7 

Payments keep moving at night and on weekends. Cash flow improves and vendors get paid on time.

• Cuts mistakes

Budgets, allowlists, and limits stop wrong amounts or wrong recipients. Fewer errors and fewer chargebacks.

• Adds stronger control

Risky payments pause for review. Finance approves or rejects with one click. Nothing slips through.

• Clear audit trail

Every action writes a receipt and a timestamped log. Compliance checks finish faster.

• Security

Secure payment with multi-admin governance and multi-rail compliance

How to choose an agentic payments solution provider

• Start with policy depth

Roles, scopes, budgets, allowlists, and time windows must be modeled clearly.

• Check human oversight

Risky actions should pause for review with a full decision log.

• Verify method coverage

Cards, network tokens, virtual cards, bank rails, and crypto should all be supported.

• Demand real-time logs

Every step needs receipts, timestamps, and a tamper-evident trail.

• Test consent capture

Actions must link to explicit user or business consent.

• Review security posture

PCI alignment, data minimization, and least-privilege access are required.

• Confirm integrations

ERP, CRM, and data warehouses should sync via APIs and webhooks.

• Ask for deployment options

Cloud, single-tenant, or on-prem should be available.

• Inspect monitoring

Alerts, anomaly detection, and clear runbooks matter.

• Run a pilot

Define success metrics, thresholds, and rollback before production.

Ready to Launch Agentic Payment to Your Business?

As a Web3 and AI development company, TokenMinds sets up agentic payments with clear policies, human oversight, and full audit trails. We connect cards, bank transfers, or crypto to your current stack without heavy changes.

Book a free consultation. Get a scoped plan, timeline, and cost to go live with a small, production-ready flow.

FAQs

1. What is agentic payment

Agentic payment is a payment started and completed by an authorized AI agent under clear rules. It follows budgets and allowlists, records every step, and runs on existing rails like cards, bank transfers, or crypto.

2. What are the benefits of agentic payments for businesses?

Fewer manual steps and faster settlement. Clear rules limit spend, block unapproved payees, and create audit-ready logs.

3. Which companies are leading the agentic payments ecosystem?

Global networks set standards and rails. Specialist platforms and system integrators deliver agent wallets, policy engines, and live deployments.