Pay.ai – The Human Authorization Layer for Agentic Payments

Summary: Pay.ai provides secure payment infrastructure enabling AI agents like Claude or ChatGPT to make purchases on behalf of users with mandatory human approval. It uses biometric verification and zero-balance virtual cards to ensure transactions are authorized, merchant-specific, and fully traceable, preventing unauthorized spending by AI agents.

What it does

Pay.ai acts as an intermediary between AI platforms and payment networks, allowing AI agents to request payments that users approve via biometric authentication on their phones. Once approved, Pay.ai executes the transaction without exposing card details to the agent.

Who it's for

It is designed for users who employ AI agents to assist with purchases and require secure, controlled payment authorization to prevent unauthorized spending.

Why it matters

Pay.ai solves the problem of safely enabling AI agents to make payments by enforcing human-in-the-loop approval and restricting transactions to specific merchants, amounts, and time windows.