# Payments AI > Payments AI is the AI-native Merchant of Record and payment orchestration platform. On the Merchant of Record product, the customer is not the merchant of record: a registered merchant of record is the seller of record and handles sales tax and VAT registration, filing, and remittance. On the orchestration product, the customer stays the merchant of record and Payments AI routes payments across their gateways. 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 internationally without registering a foreign entity: a registered, tax-compliant merchant of record is the seller of record and appears on the customer's bank statement, and sales tax and VAT are collected at checkout and remitted across the US, EU, and UK - 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/): The customer isn't the merchant of record, so sales tax and VAT registration, filing, and remittance aren't theirs; 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. - [MCP for Merchant of Record](https://www.payments.ai/mor/mcp/): The nine setup steps an AI agent performs over the Payments AI MCP server, from opening the account to switching on live payments. - [Merchant of Record pricing](https://www.payments.ai/mor/pricing/): Itemized Merchant of Record rates for payments, payouts, fraud, and revenue optimization. - [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 Every page listed on this file is also served as Markdown: request the page URL with `Accept: text/markdown`, or fetch the `.md` path directly. Responses set `Vary: Accept, Accept-Encoding` (see https://acceptmarkdown.com/). - [OpenAPI description](https://www.payments.ai/openapi.json): OpenAPI 3.1 description of every JSON endpoint, Markdown representation, and the content negotiation on this host. Also at https://www.payments.ai/api/openapi.json. - [Site facts (JSON)](https://www.payments.ai/api/v1/site.json): Legal entity, contacts, documentation, and the two products. - [Page index (JSON)](https://www.payments.ai/api/v1/pages.json): Every page with the path of its Markdown representation. - [MoR pricing (JSON)](https://www.payments.ai/api/v1/pricing/mor.json): Itemized Merchant of Record fees. - [Orchestration pricing (JSON)](https://www.payments.ai/api/v1/pricing/platforms.json): Payment orchestration pricing model and terms. - [MoR pricing (Markdown)](https://www.payments.ai/mor/pricing.md): Itemized Merchant of Record fees, generated from the same source as the pricing page. - [Orchestration pricing (Markdown)](https://www.payments.ai/platforms/pricing.md): Agent-readable pricing model and offerings, generated from the same source as the pricing page. - [Home page (Markdown)](https://www.payments.ai/index.md): Product comparison in Markdown. - [Merchant of Record (Markdown)](https://www.payments.ai/mor/index.md): MoR overview in Markdown. - [MCP setup (Markdown)](https://www.payments.ai/mor/mcp.md): The nine setup steps an agent performs over the MCP server. - [Payment orchestration (Markdown)](https://www.payments.ai/platforms/index.md): Orchestration overview in Markdown. - [Site map for unknown paths](https://www.payments.ai/404.md): The full public surface, served as the recovery map behind every 404. - [Sitemap](https://www.payments.ai/sitemap-index.xml): XML sitemap index. ## API versioning The JSON endpoints above are versioned in the URL under https://www.payments.ai/api/v1 and are stable. Nothing on this host is currently deprecated. - Additive changes ship in place: a response may gain a field, and never loses or renames one. - A breaking change ships under a new version prefix (/api/v2). The previous prefix keeps responding. - A deprecated version keeps responding for at least 12 months from the day it is announced. - Deprecation is announced with the `Deprecation` (RFC 9745) and `Sunset` (RFC 8594) response headers on the affected endpoints, and restated here and in https://www.payments.ai/api/v1/site.json. ## Legal - [MoR Terms of Service](https://www.payments.ai/mor/terms-of-service/): Terms of Service for Merchant of Record checkout, billing, and payment infrastructure. Markdown: https://www.payments.ai/mor/terms-of-service.md - [MoR Privacy Policy](https://www.payments.ai/mor/privacy-policy/): How Payments.Ai LLC collects, uses, and protects personal information for MoR services. Markdown: https://www.payments.ai/mor/privacy-policy.md - [Prohibited Products and Services](https://www.payments.ai/mor/prohibited-products-and-services/): Products and services that may not be sold through the Payments AI Merchant of Record. Markdown: https://www.payments.ai/mor/prohibited-products-and-services.md - [Terms of Service](https://www.payments.ai/platforms/terms-of-service/): Website and service terms (Payments.Ai LLC, Delaware). Markdown: https://www.payments.ai/platforms/terms-of-service.md - [Merchanting Terms](https://www.payments.ai/platforms/merchanting-terms/): Payment processing and merchanting terms and conditions. Markdown: https://www.payments.ai/platforms/merchanting-terms.md - [Privacy Statement](https://www.payments.ai/platforms/tos-privacy/): How Payments.Ai LLC collects, uses, and protects personal information. Markdown: https://www.payments.ai/platforms/tos-privacy.md