# Payments AI

> Payments AI is the AI-native Merchant of Record and payment orchestration platform. It handles global tax, VAT, fraud, and legal liability for AI apps and creators, and intelligently routes payments across gateways for platforms. Legal entity: Payments.Ai LLC (a Delaware LLC).

Payments AI has two distinct offerings. The **Merchant of Record** product lets AI apps and creators sell globally through the Payments.Ai entity - appearing on the customer's bank statement and absorbing tax, compliance, and liability - with checkouts implementable directly by AI coding agents via a native MCP server. The **payment orchestration** product (platforms) lets platforms route transactions across multiple gateways to recover failed sales and own their payment revenue. The home page is a comparison hub that introduces both products side by side and routes visitors to the one that fits their use case.

## Products

- [Payments AI home page](https://www.payments.ai/): Side-by-side comparison of the two products, helping visitors choose between Merchant of Record and payment orchestration.
- [Merchant of Record for AI apps & creators](https://www.payments.ai/mor/): Global MoR - we own tax, VAT, fraud, and legal liability; AI agents build the checkout via MCP.
- [Payment orchestration for platforms](https://www.payments.ai/platforms/): Embedded orchestration that routes across gateways to recover failed sales and retain payment revenue.
- [Payment orchestration pricing](https://www.payments.ai/platforms/pricing/): Simple, transparent pricing - no setup fees, no monthly minimums, cancel any time. Itemized rates are not public; contact sales for a quote.

## Docs

- [Documentation](https://docs.payments.ai): Product and integration documentation, including the MCP server and APIs.

## Machine-readable

- [Pricing (Markdown)](https://www.payments.ai/platforms/pricing.md): Agent-readable pricing model and offerings, generated from the same source as the pricing page.

## Legal

- [Terms of Service](https://www.payments.ai/platforms/terms-of-service/): Website and service terms (Payments.Ai LLC, Delaware).
- [Merchanting Terms](https://www.payments.ai/platforms/merchanting-terms/): Payment processing and merchanting terms and conditions.
- [Privacy Statement](https://www.payments.ai/platforms/tos-privacy/): How Payments.Ai LLC collects, uses, and protects personal information.