Build payment flows for agentic commerce
Build payment flows for AI agents that transact on behalf of users with real-time location verification, age gates, and step-up auth.
Agentic commerce — where AI agents initiate purchases on behalf of users — needs programmatic age gates, real-time location verification, and agent-to-merchant settlement with verified identity chains. frameOS provides Geocompliance for real-time location verification, Age Verification for programmatic age-gate APIs, KYC and Payouts for agent-to-merchant settlement with verified identity, Charge Intents with 3D Secure for agent-initiated flows with step-up auth, and Webhooks for event-driven confirmation callbacks for agent protocols.
Use this guide if you're building agentic commerce where:
- AI agents transact on behalf of users and need real-time location verification.
- You need programmatic age-gate APIs for autonomous restricted purchases.
- Agents settle with merchants and require verified identity chains.
- Agent-initiated payment flows need step-up auth via API.
- You need event-driven confirmation callbacks for agent protocols.
We recommend this configuration for AI agent payment flows. Use the API and Webhooks for agent-initiated transactions.
FrameOS modules
| Module | Purpose |
|---|---|
| Geocompliance | Real-time location verification for AI agent transactions |
| Age Verification | Programmatic age-gate APIs for autonomous restricted purchases |
| KYC + Payouts | Agent-to-merchant settlement with verified identity chains |
| Charge Intents + 3D Secure | Agent-initiated payment flows with step-up auth via API |
| Webhooks | Event-driven confirmation callbacks for agent protocols |
Before you begin
Sign up at the Frame Developer Portal and obtain your sandbox API key. Geocompliance requires location capture — for agents, ensure the underlying user session provides location via Frame.js or mobile SDK.
Essential tasks
1. Geocompliance for agent transactions
Use Geocompliance to verify location at transaction time. Configure geofences for restricted goods (alcohol, age-restricted, etc.). For agent flows, the user's device must provide location — agents acting on behalf of users should pass through the user's Sonar session or location context.
2. Programmatic age verification
Use Age Verification via API before allowing agent-initiated purchases of restricted goods. Create or retrieve the user's account, ensure KYC is complete, and check age verification status before the agent proceeds.
3. Agent-to-merchant settlement
For platforms where agents pay merchants, use Accounts with KYC for the agent's underlying user or the merchant. Use Payouts for settlement. Verified identity chains ensure compliance.
4. Agent-initiated Charge Intents with 3DS
Use Charge Intents for agent-initiated payments. When step-up auth is required, 3D Secure can be triggered — agents may need to hand off to the user for challenge completion. Use the API for server-side confirmation when possible.
5. Webhooks for agent protocols
Configure Webhooks for charge_intent.succeeded, charge_intent.requires_3d_secure, and other events. Agent protocols can use webhook callbacks for event-driven confirmation and state updates.
Resources
Accounts · KYC · Age Verification · Geocompliance · Charge Intents · 3D Secure · Payouts · Webhooks