Agentic
AIPS — open acquiring protocol that lets AI agents pay merchants. Acquiring-only, scheme-agnostic, AP2-compatible.
Overview
The agentic paypoint lets AI agents (Claude, GPT-4, custom) initiate payments on behalf of users. miaPOS exposes the merchant side via the AIPS protocol — an open acquiring protocol designed for agentic commerce. AIPS is scheme-agnostic at the rail layer and AP2-compatible at the trust layer.
Acquiring-only
AIPS scope is acquiring (merchant side). Wallet/issuing for the agent is out of scope — agents bring their own funding source.How it works
- The merchant exposes products and prices via the E-comm API extended with AIPS discovery metadata.
- The agent discovers the merchant capability and the supported instant-payment scheme.
- Agent constructs an AP2 mandate signed by the user and registers a payment via AIPS.
- miaPOS verifies the mandate, settles via the local instant-payment rail, returns a signed receipt.
MerchAI conversational layer
For merchants who don't speak AIPS directly, MerchAI provides a conversational layer: customers (or their agents) talk to the merchant's MerchAI in natural language; MerchAI brokers AIPS on the merchant's behalf. Currently in early access.