What Is Payman?

Imagine your favorite AI agent asking, "Send Sam $50 for design work" and the money actually moves, without you sweating over fraud or compliance. That is the promise of Payman. The platform acts as the financial layer between autonomous software and real-world money, creating dedicated wallets, policy rules, and human approvals so AI can pay humans (or other systems) safely.

At its core, Payman is part payment gateway, part policy engine, part developer toolkit. Whether you are automating affiliate payouts, building an AI marketplace, or simply letting a bot reimburse lunches, Payman keeps your main bank account insulated while giving your code controlled spending power.

[cta text="Try Payman for Free"]

Key Features

AI Agent Wallets

Every AI agent receives a segregated USD, USDC, or test wallet. These wallets are owned by you, but isolated from your primary funds, adding an extra wall of security. Real-time balances and transaction logs live inside a clean dashboard, so you always know who spent what.

Natural-Language payman.ask()

One JavaScript or Python call — payman.ask("Send $10 to Jane for lunch") — turns a sentence into a compliant payment. Parsing, balance checks, policy evaluation, and the actual transfer happen behind the scenes. For builders, it feels like magic; for auditors, it is still fully traceable.

Policy-Based Controls & Human-in-Loop

Policies act like programmable guardrails. You decide daily limits, per-transaction caps, and threshold amounts that trigger manual approval. If an agent exceeds its allowance, Payman pings a human for sign-off before any money leaves the wallet.

Payee Management & Smart Protection

Before funds move, vendors or contractors must be whitelisted as payees. ACH details, crypto addresses, or test accounts are stored with unique IDs, preventing AI from sending cash into the void. Pre-approved payees plus policy checks equal fewer headaches.

Developer-Friendly SDKs & Integrations

TypeScript and Python SDKs ship with quick-start snippets, webhooks, and OAuth flows. Payman also plugs into OpenAI, LangChain, Vercel AI SDK, and popular ERP tools, letting you stitch payments into existing workflows with minimal glue code.

[cta text="Try Payman for Free"]

Pricing

Payman keeps entry friction low with an invite-only Free Developer tier that includes test wallets and core APIs. When you are ready for production money movement, costs split into two buckets:

1. Subscription plans (typical for invoice-automation users)
2. Starter – $99 per month for up to 200 invoices and one integration.
3. Pro – $249 per month for up to 1,000 invoices, multi-user access, and priority support.
4. Enterprise – custom pricing that unlocks unlimited volume, dedicated SLAs, and premium analytics.
5. Transaction fees collected through Stripe or USDC rails. Rates align with standard payment-gateway pricing (roughly 2.9 % plus a small fixed fee per successful charge in the US).

Because real-money transfers vary wildly by region and volume, Payman suggests contacting sales for an exact quote once you move beyond dev mode.

FAQ

Is Payman safe for real money transactions?

Yes. The platform is built on SOC-2 and PCI controls, partners with Fifth Third Bank for USD custody, and uses Stripe for payment processing. You still approve large or unusual spends through manual checkpoints.

Do I need coding skills to use Payman?

Not necessarily. A no-code dashboard lets non-developers create wallets, set limits, and approve requests. That said, the real magic appears when you wire Payman into code through the SDKs.

Which currencies does Payman support?

Live wallets currently support USD (ACH) and USDC. A sandbox “TSD” test token ships with every account for free experimentation.

How does Payman differ from traditional AP tools like Bill.com?

Traditional AP automates human workflows. Payman adds an AI layer: agents initiate payments themselves, policies gate those actions, and everything is exposed through APIs first. It is closer to developer infrastructure than end-user software.

Does Payman work outside the United States?

Developers worldwide can create USDC wallets immediately. USD wallets are limited to US-based users due to KYC rules, but Payman is actively expanding geographic support.

[cta text="Try Payman for Free"]

Should You Try Payman?

If your product or workflow already leans on autonomous agents, giving them controlled purchasing power is the next logical step. Payman supplies the rails, the rules, and the receipts. Start free in a test wallet, push a few scripted payments, then decide whether the Starter or Pro plan matches your invoice volume.

For teams still firmly in manual territory, tools like Bill.com or Tipalti may feel simpler. But if automation is your north star and you prefer to keep compliance worries at arm’s length, Payman deserves a spot on your shortlist.