Introducing PayCentral
India's first agentic
payment platform
PayCentral enables autonomous merchant services, using agent to agent communication. PayCentral is built on Google’s AP2 (Agent Payment Protocol) and designed to sit on top of multiple Payment Aggregators’ MCPs, creating a unified layer of autonomous, auditable, and secure payment orchestration
Phronetic AI’s autonomous payments layer.
PayCentral lets AI agents act on behalf of merchants: collecting payments, processing refunds, managing subscriptions, and reconciling accounts, all without human touch.
By merging Phronetic’s Agent OS, Google’s AP2 protocol, and payment aggregators, it brings reliability, auditability, metering and scale to the agentic economy.
The AP2 Protocol:
Trust by Design
AP2 (Agent Payments Protocol) defines how AI agents transact, safely and predictably. It enforces a chain of signed mandates that map every step from user intent to final settlement.
Intent Mandate
sets spending rules, merchant scope, and time limits.
Cart Mandate
locks in the specific purchase with user confirmation.
Payment Mandate
executes securely through approved PSPs like ccAvenue.
Discover products through intelligent conversation
Communicate your needs directly to our AI and watch it uncover precise product matches across multiple platforms. No complex filters, no endless scrolling - just pure, intelligent search.
Built on India’s Digital Public Infrastructure
India redefined digital payments with UPI, BBPS, and NACH.
Phronetic’s Payment Agent extends that legacy into the AI-native era, bringing agentic automation to the same trusted rails—through ccAvenue’s proven settlement network.
Developer tools for intelligent commerce
Powerful infrastructure designed to simplify complex integration challenges. Transform your digital ecosystem with minimal friction.
Universal MCP Integration
Connect to any payment aggregator through a unified Model Context Protocol layer. One API, infinite possibilities.
Agent-to-Agent Communication
Enable seamless real-time communication between merchant agents across different payment platforms and networks.
Enterprise Security
Bank-grade encryption, compliance with global payment standards, and comprehensive fraud protection built-in.
Developer
First
Clean APIs, comprehensive SDKs, and detailed documentation. Build agentic commerce applications in minutes, not months.
Key Features
and Benefits
Universal
Interoperability
AP2 ensures agents can transact seamlessly across platforms and services including multiple underlying PSPs.
Trusted Payment Infrastructure
Transactions are routed through CCAvenue and other RBI approved payment aggregators, leveraging India’s secure payment gateway infrastructure.
Autonomous Merchant Services
AI agents dynamically create links, process refunds, and manage subscriptions.
Secure
& Auditable
Every transaction is traceable through Phronetic’s Agent Operating System, with compliance-ready logs.
Integrate with
any MCP
Connect with any payment based MCP for accessing their payment platform
Scalable
Future
Unlocks micropayments, recurring billing, and AI-driven commerceat national scale.
How it Works
Get started with agentic commerce in three simple steps
Connect Your Agents
Integrate your merchant agents with PayCentral using our simple SDK or API.
Configure Payment Routes
Map your preferred payment aggregators and define routing rules through our MCP layer.
Enable Commerce
Your agents can now communicate and transact autonomously across any payment platform.
Join the Agentic
Payment Revolution
Be among the first to deploy autonomous payment flows built for enterprise reliability and AI-native scale.