# Payments AI

> Comparison hub for the two products: Merchant of Record for AI apps and creators, and payment orchestration for platforms.

Canonical HTML: https://www.payments.ai/

## Monetize AI from Day One. Scale to Enterprise Valuation

Stop wiring legacy APIs. Use our agentic billing layer to process single app transactions or orchestrate hundreds of sub-merchants platform-wide.

## Same infrastructure. Different superpowers.

Choose based on what you're building. On one, you're not the merchant of record and the tax registration and filing aren't yours. On the other, you stay the merchant of record and we make more of your volume convert.

### Best For

- **Merchant of Record (for AI apps & creators)**: Single AI Apps, Indie Hackers, Software Creators
- **Payment orchestration (for platforms)**: B2B SaaS, Marketplaces, Multi-merchant Hubs

### Merchant of Record (MoR)

- **Merchant of Record (for AI apps & creators)**: You're not the merchant of record — sales tax and VAT registration, filing, and remittance aren't yours.
- **Payment orchestration (for platforms)**: You're the merchant of record. We help you stand up your own entity and orchestrate the gateways you already run.

### Integration Method

- **Merchant of Record (for AI apps & creators)**: 1-line MCP command / No-code builder
- **Payment orchestration (for platforms)**: Developer-first REST API & Webhooks

### Core Financial Benefit

- **Merchant of Record (for AI apps & creators)**: No foreign entity. No VAT registration. No filings on your side.
- **Payment orchestration (for platforms)**: Payment revenue changes how buyers value you. See the Platforms page.

### Routing & Optimization

- **Merchant of Record (for AI apps & creators)**: Smart routing across 8 payment backends, fully managed for you
- **Payment orchestration (for platforms)**: Smart AI Waterfall Routing & Method Vaulting

### Setup Time

- **Merchant of Record (for AI apps & creators)**: Under 5 minutes
- **Payment orchestration (for platforms)**: Fully deployed in 14 days

### Price

- **Merchant of Record (for AI apps & creators)**: 2.7% + $0.30 per successful card transaction (processing; tax handling, BNPL, and payouts priced separately)
- **Payment orchestration (for platforms)**: Talk to our sales team

## Where to go next

- Build an AI App: https://www.payments.ai/mor/
- Scale a Platform: https://www.payments.ai/platforms/

## Machine-readable

- Site summary: https://www.payments.ai/llms.txt
- Page index (JSON): https://www.payments.ai/api/v1/pages.json
- OpenAPI description: https://www.payments.ai/openapi.json
- Documentation: https://docs.payments.ai