AI agents are buying, subscribing, and transacting at machine speed - without human oversight. Current payment infrastructure was built for humans. Sayfin was built for what comes next.
Autonomous agents compound every inefficiency in your payment stack. A 2% decline rate that's tolerable for humans becomes a critical system failure at machine volume.
Agents execute subscriptions, reorders, and multi-step flows faster than any human. Every infrastructure flaw is amplified by transaction volume.
Agents can't wait for a retry cascade. A slow routing decision becomes a blocked workflow, a failed order, and a compounded cost in downstream systems.
Agents don't have transaction history. Standard behavioral models are blind. Without agent-specific scoring, every transaction looks like an anomaly.
A human encountering a declined payment refreshes the page, tries another card, or calls their bank. An agent stops execution and propagates the error upstream.
Sayfin applies the same probabilistic routing it delivers for human transactions to autonomous agents - with agent-specific behavioral modeling, sub-15ms decisions, and protocol-native identity.
Before any attempt is sent to an acquirer, Sayfin scores the probability of approval across your entire acquirer pool. Agents only attempt high-confidence routes.
p95 <15msSayfin builds behavioral profiles for agents just as it does for human cardholders. Spend patterns, transaction frequency, and MID behavior are learned continuously.
Per-agent modelProtocol-native verification for agent callers. Sayfin validates agent credentials at the transaction layer - no integration changes to your orchestration layer.
HMAC-SHA256Sayfin's confidence scoring eliminates blind retry cascades. Transactions that won't succeed aren't attempted. Network fees are only paid for approvals.
$0 wasted feesWorks across Visa TAP, Mastercard Agent Pay, OpenAI ACP, and Google AP2. One integration covers the full agentic protocol landscape - now and as it evolves.
4 protocols liveEvery agent transaction outcome retrains the model. The more your agents transact, the better Sayfin scores them. Intelligence compounds without manual retraining.
Auto-retrainingSayfin sits between your agent's payment trigger and the acquirer network. No changes to your agent logic. No infrastructure replacement.
Your agent executes a purchase, subscription renewal, or payment flow. Instead of routing directly to an acquirer, it sends the transaction payload to Sayfin's /v1/route endpoint.
Sayfin reads the full signal set - BIN intelligence, agent behavioral history, MID patterns, geo signals, and live acquirer performance - and returns a ranked routing recommendation with confidence scores.
Your agent receives the optimal acquirer recommendation and routes accordingly. Transactions with low confidence scores are flagged before the attempt - eliminating retry fees and downstream failures before they happen.
Post-authorization, the actual outcome is fed back via /v1/feedback. Sayfin retrains the agent behavioral model continuously - your approval rates compound without any manual intervention.
Token-based autonomous payments. Sayfin scores approval probability for every TAP transaction.
LiveAgent-native credential framework. Full behavioral scoring for MC agentic flows.
LiveThe Agent Communication Protocol standard. Sayfin routes ACP-initiated payment requests natively.
LiveGoogle's next-gen autonomous payment protocol. Pre-auth intelligence for every AP2 transaction.
Live| Capability | Traditional PSP | Rule-based Router | Sayfin |
|---|---|---|---|
| Pre-auth probability scoring | No | No | Yes - <15ms |
| Agent behavioral modeling | No | No | Yes - per-agent |
| Protocol-native identity | Partial | No | Yes - all 4 protocols |
| Zero retry architecture | No | Limited | Yes |
| Continuous self-retraining | No | No | Yes - automatic |
| Infrastructure replacement required | Sometimes | Sometimes | Never |
Let us show you what predictive intelligence does for autonomous payment flows. One API. No infrastructure changes. Live in days.