Agentpay
RAZORPAY AI BUILDATHON 2026 • TRACK 01

Autonomous payment infrastructure for AI shopping agents

Traditional gateways block autonomous AI buyers with human SMS OTPs and 3DS frames. Agentpay provides the dual-gated protocol letting AI agents transact safely within deterministic spend limits and direct Razorpay settlements.

SECURITY MODEL
Dual-Gated Governance
Consumer Vaults + Merchant Rules
SETTLEMENT GATEWAY
Razorpay Live APIs
HMAC-SHA256 Signature Verified
TEST COVERAGE
30+ Pytest Suite
Unit, Integration & E2E Verified
INTERACTIVE PIPELINE EVALUATION

How autonomous agent purchases are verified

See how Agentpay deterministically checks consumer authorization and merchant risk bounds before calling Razorpay.

STEP 01

Consumer Spend Vault

₹1,799 boAt Watch verified against active ₹3,800 pre-authorized card.

STATUS: LIMIT_SUFFICIENT
STEP 02

Merchant Policy Check

Category "Smartwatches" matches allowed rules. Per-order cap ₹10k satisfied.

POLICY: POLICY_SATISFIED
STEP 03

Razorpay Settlement

Order order_O5kP9x created. HMAC webhook dispatched to merchant.

RESULT: PAYMENT_SETTLED_200
ARCHITECTURE CAPABILITIES

Built for deterministic AI transactions

Every layer of Agentpay is engineered to enable programmatic commerce without compromising safety.

Dual-Gated Bounded Authorization

Consumers set strict virtual card spending ceilings, merchant whitelist filters, and validity windows. Merchants enforce category restrictions and rolling velocity limits.

• Zero Hallucinated Spend• Deterministic Caps

Machine-Readable Schema & Discovery

Exposes dynamic JSON-LD and OpenAPI schemas allowing LangChain, OpenAI, and Claude shopping agents to semantically search, discover prices, and parse catalog availability.

• schema.org/Product• Instant SWR Hydration

Razorpay Settlement Engine

Executes orders via Razorpay Sandbox & Live APIs. Includes webhook signature verification (HMAC-SHA256) and direct settlement tracking in the merchant ledger.

• Automated Payouts• HMAC Webhook Security

Tamper-Evident Cryptographic Audit

Every agent proposal, policy evaluation, price check, and settlement event is recorded into an immutable audit trail with SHA-256 integrity verification.

• 100% Traceability• Audit API Included

Ready to test autonomous AI commerce?

Try the consumer shopping assistant or deploy your merchant store with pre-seeded electronics products in seconds.