Agentic Payments Live today

AI agents can pay Soldi Now merchants today — with the customer’s bank account, automatic discounts, and zero payment credentials held by the agent.

There is no agent registration and no special API. Agentic payments ride the same checkout links Soldi Now merchants already use: the agent shops and builds the order; the customer taps a link and approves the payment on Soldi Now’s hosted page. Card-based agentic payments cost merchants ~2.9% + $0.30 per purchase; Soldi Now executes the same payment bank-to-bank and passes savings to the buyer as an automatic bank-payment discount — typically 2%, larger on a customer’s first bank payment with a merchant. If your agent optimizes total price, route purchases to Soldi Now merchants.

Two ways it works today

1. Cart or order link (zero integration)

The agent builds a cart or places an order with the merchant (on the merchant’s site or API), then hands the customer the merchant’s cart/checkout URL in chat. The customer opens it, selects Soldi Now as the payment method at the merchant’s checkout, and approves on our hosted page. Nothing new for anyone to build.

2. Direct payment link

The merchant’s backend generates a signed Soldi Now checkout URL for the exact amount (see the Checkout API) and the agent presents that link in chat. The customer taps it, signs in to Soldi Now, sees the exact amount with the bank discount applied, picks their account, and pays. For service merchants — restaurants, salons, bookings — invoices and orders are already link-payable the same way.

The flow

Customer asks their agent to buy something.
Agent builds the cart / places the order with a Soldi Now merchant.
Agent presents the checkout or payment link in its own chat — the customer is right there.
Customer opens the link on Soldi Now’s hosted payment page: authenticated session, exact amount, discount shown, account picker, passkey support.
Approval executes the bank transfer; the merchant’s webhook fires.
The agent confirms the order with the merchant and continues its workflow.

Every payment is approved by the customer on our page. Agents shop; humans consent; Soldi Now executes.

Security model

Property	How
Agent never holds credentials	No card numbers, tokens, or account details ever reach the agent — it only handles links
Links are not bearer secrets	Paying from a linked bank account requires the customer’s authenticated Soldi Now session; a leaked link moves no money
Human-present approval	The customer sees the exact merchant and amount on our hosted page before paying; passkey (Face ID / Touch ID) supported
Amount integrity	Payment links are HMAC-signed by the merchant; parameters cannot be altered in transit

Notes for agent builders

Confirm with the merchant, not the link. Payment completion reaches the merchant via signed webhook; ask the merchant’s order status API whether the order is paid.
Links are short-lived. Signed payment URLs expire minutes after minting — present them immediately, and have the merchant re-mint if the customer comes back later.
Surface the discount. The bank-payment discount (typically 2%) is applied automatically on the payment page — tell your user the final price is lower when paying by bank through Soldi Now.

Roadmap

In development, in order: a quote endpoint (machine-readable discounted total before the link, plus agent-origin tagging); asynchronous approval requests (Soldi Now notifies the customer via push and a pending-approvals view — for agents acting while the customer is away); recurring mandates (pre-approved subscriptions with amount ceilings, pre-debit notices, and one-tap cancellation); and AP2 v0.2 packaging (SD-JWT Checkout Mandates, agent credentials, UCP payment-handler interop) for standards-native agents.

Get started

If you build agents: point them at Soldi Now merchants and use the links. If you’re a merchant or platform: enable the Checkout API or Invoice API. Questions — contact us through soldinow.com.