# Product roadmap

> What Payments AI is building across payment orchestration and Merchant of Record, grouped as now, next, and later.

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

Updated September 2026. Roadmap items are directional and can change. Nothing here is a commitment to ship.

## Payments AI Platforms

Payments AI Platforms is the payments stack for companies that onboard and pay out their own merchants. A dashboard, a public API and card-present payments on one set of rails.

### Now — In development

- **Automated onboarding** — Automated merchant registration gets new accounts approved and accepting payments in minutes.
- **Self-serve developer platform** — A documented public API and developer portal, so your engineers can integrate, test and go live on their own timeline.
- **Real-time business insights** — A live business intelligence dashboard gives you and your merchants full visibility into transactions and performance.
- **More countries, more currencies** — Accept and settle payments across a growing list of currencies and countries, configured for you as you expand.
- **Real-time fraud detection** — Built-in screening scores every transaction and flags fraudulent activity as it happens.
- **Your domain on every checkout** — Serve checkout from your own domain, so the payment step looks and feels like part of your product.
- **Automated card-testing protection** — Detect and block card-testing attacks in real time, before they reach your merchants.

### Next — Coming soon

- **Real-time balance management** — Live merchant balances, adjustable in one place from the dashboard.
- **Built-in KYC verification** — Native KYC inside onboarding, so verification happens in the same flow as sign-up.
- **Public developer sandbox** — A public sandbox to build and test against the API before ever going live.
- **Tap to Pay on mobile** — Accept in-person payments straight from a phone. Instant, secure and ready in seconds.
- **Mobile payments SDK** — A mobile SDK brings the full Payments AI capability set directly into native mobile experiences.

### Later — Further out

- **Embedded merchant financing** — Give merchants access to financing and cash advances directly through the platform. No bank visit required.
- **Self-serve hosted checkout** — Hosted checkout and self-serve sign-up let merchants get live on their own, start to finish.
- **Streamlined dispute management** — End-to-end chargeback and dispute handling, with clear status for every merchant.
- **AI-powered risk scoring** — Predictive, AI-driven signals flag at-risk merchant accounts before problems escalate.
- **One-click upsell** — Post-purchase upsells that lift order value without asking the customer for card details a second time.
- **AI-powered smart routing** — Smart routing automatically directs each transaction down the path with the best approval odds.

## Payments AI MoR

Payments AI MoR is the fastest way to start selling. We act as the merchant of record, so tax, compliance and payouts are handled for you. The whole integration is built to be completed by an AI agent.

### Now — In development

- **Found where agents look** — Listed in the connector directories AI agents browse, so Payments AI is discoverable and integrable without a human in the loop.
- **Searchable developer documentation** — Searchable API documentation with copy-paste examples for every endpoint.
- **Real-time notifications** — A notification centre that surfaces payments, disputes and payout events as they happen.
- **Full audit trail** — Every account, payout and settings change logged and searchable, exportable for compliance review.

### Next — Coming soon

- **Embeddable checkout SDK** — Drop checkout directly into your own product with an embeddable SDK, so customers stay in your flow.
- **Richer checkout** — Multi-product carts and a wider set of checkout styles, so the payment page matches your brand.
- **Self-serve compliance settings** — Adjust account, tax and compliance configuration directly from the dashboard.
- **One login, many businesses** — Run several merchant accounts from a single login and switch between them without signing out.

### Later — Further out

- **Direct commerce platform integrations** — Published integration docs so commerce platforms can connect their own merchants to Payments AI MoR directly.
- **Agents that complete payments** — Let an authorised AI agent create and complete transactions on your behalf, inside limits you set.

## Request a feature

Requests from customers are the single biggest input into this roadmap. Send one and it lands directly in our product backlog. Email support@payments.ai, or use the form at https://www.payments.ai/roadmap/#request.

## Where to go next

- Merchant of Record overview: https://www.payments.ai/mor/
- Payment orchestration overview: 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