PayOS

PayOS is a platform for payment orchestration, tokenization and AI checkout, aimed at agentic commerce and global platforms. It was founded in 2023 and is based in New York.

Products Listed products are Payment Orchestration, Network Tokenization, an Agentic Checkout API and Multi-PSP Routing. The Agentic Checkout API is intended for purchases initiated by AI agents on behalf of users, a newer use case that needs tokenized credentials rather than raw card entry. The company states that it specializes in unified tokenization and orchestration for modern e-commerce.

Customers and regions Target verticals are e-commerce, AI platforms, marketplaces and SaaS. The stated geography is the United States, Europe and global.

Commercial model PayOS is sold as enterprise SaaS. Pricing and contract terms are not published. As the company began in 2023, buyers may want to ask about live merchant volumes, supported processors and how network tokens are portable between PSPs if routing changes.