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Portable Token Strategy for PSP Independence
Agentic Commerce Tokenization & Delegation
Smart Flow Sequencing for Accepting Purchases Made by AI Agents
Simplifying Refund Handling Across PSPs
Global Marketplace Scaling Across PSPs
In-Car Commerce with Adaptive Routing
Composable Payment Control for Enterprise Retailer
Use-case
Merchant type
Large fashion retailers with multiple PSPs
Solution
Guardian
The Problem
Merchant tokens are tied to PSPs, making it hard to switch or route to alternatives without re-collecting card data.
The Solution
Tokens are owned and managed by the merchant, not the PSP.
Forwarding logic determines which PSP receives a given token at runtime.
Eliminates vendor lock-in and enables negotiation leverage.
The Outcome
Faster PSP migrations.
Increased control over payments
Greater flexibility in routing logic.
Agentic Commerce
Tokenization & Delegation
Use-case
Merchant type
Global electronics marketplace enabling agent-based shopping assistants.
Solution
Guardian
The Problem
As AI agents (voice assistants, shopping bots) begin making autonomous purchases on behalf of consumers, merchants must securely support delegated access to payment credentials — without compromising PCI compliance or control.
The Solution
Stores customer payment credentials in a merchant-owned, PCI-compliant vault.
Merchant uses intent and consent information through token to verify purchase request.
Uses network tokenization to further reduce risk and fraud while maintaining approval rates.
Supports token forwarding logic to select appropriate PSP or acquirer based on transaction context (agent identity, value, merchant category).
Agentic Commerce Enablement
Token protocols can easily be adjusted based on which protocol shall be used.
The merchant retains full visibility and control over how and where payment credentials are used — even in fully automated agent transactions.
Aligns with upcoming machine-to-merchant commerce protocols (e.g., for connected devices or LLM agents acting on behalf of users).
The Outcome
Secure acceptance of agent-initiated transactions across web, mobile, and connected devices.
Mitigation of risk exposure from agent behavior or rogue automation.
PCI scope remains minimal, even as agent ecosystems scale.
Smart Flow Sequencing for Accepting Purchases Made by AI Agents
Use-case
Merchant type
Urban convenience delivery app integrated with LLM-based household assistants.
Solution
Hub
The Problem
AI agents (e.g. home assistants or concierge bots) generate autonomous shopping behavior — but acceptance rates for these flows are lower due to unusual metadata, payment timing, and limited customer presence.
The Solution
Detects agent-originated payments via metadata (e.g., source headers, client behavior) and applies agent-specific payment flows.
Executes agent-optimized routing logic (e.g. routes or verifies purchase request against acquirers that enhance identity check, intent and consent information to leverage acceptance rate).
Injects additional authentication steps (optional: token validation or prior user pre-consent) where required by issuer rules.
Allows rapid adjustment of flow logic when agent patterns evolve — via GenAI prompts or internal dashboards.
Agentic Commerce Enablement
Differentiates between human and agent behavior dynamically.
Builds trust with issuers by ensuring agent purchases follow recognizable, secure flows.
Enables real-time observability and fallback decisions (e.g., switch to backup PSP if agent transactions are declined).
The Outcome
Improvement in acceptance rates for autonomous agent purchases.
Stronger issuer relationships by maintaining consistent patterns and low fraud signals.
Reduced latency and friction for agent-based ordering experiences.
Simplifying Refund Handling
Across PSPs
Use-case
Merchant type
Mid-size omnichannel retailer.
Solution
Link
The Problem
Each PSP has a different refund API - leading to bugs, inconsistent behavior, and poor support.
The Solution
Offers a unified refund interface across PSPs.
Automatically translates requests and handles PSP-specific quirks behind the scenes.
The Outcome
Reduced integration bugs.
Customer support handles refunds faster.
Lower engineering maintenance.
Global Marketplace
Scaling Across PSPs
Use-case
The Problem
A fast-growing b2b marketplace needs to manage payments across multiple payment vendors and locations while keeping user checkout experience seamless.
The Solution
Use Guardian to tokenize and vault customer cards centrally
Design flows in Hub for routing based on user country, risk score, or partner incl. provision handling
Rely on Link to support multiple PSPs with one integration
Monitor and adapt with Pulse to handle payout errors and retriggers
The Outcome
Reduced PSP dependency,
Improved acceptance in different regions,
faster payout adjustments including provisions,
Automation of internal processes such as immediate update of internal ledger or balance on refund accounts
In-Car Commerce with
Adaptive Routing
Use-case
The Problem
An automotive OEM needs to offer seamless in-car payments (e.g. charging, parking, tolls, Hotels, in-car apps), often with variable network quality and latency.
The Solution
Leverage Guardian SDK in embedded systems to tokenize and vault cards locally
Use Hub to design fallback and retry flows that account for signal loss or processor errors
Pulse ensures all payments are reconciled asynchronously when coverage is restored
The Outcome
Increased transaction success rates
Reduced driver frustration
Lowered support costs
Composable Payment Control for Enterprise Retailer
Use-case
The Problem
A global retailer wants to reduce reliance on a single PSP while optimizing costs and uptime during high traffic (e.g. Black Friday).
The Solution
Hub creates a dynamic routing strategy based on cost, risk, and availability
Link simplifies multi-PSP setup and reduces time-to-market
Pulse provides observability into failures and allows automated recovery
Guardian ensures card data stays merchant-owned and portable
The Outcome
Reduced interchange and payment processing fees / no transaction taxes
Higher checkout resiliency
