# ItPay

ItPay is an agent-native service commerce platform for discovering verified AI services, creating protected QR-payment checkouts, tracking fulfillment, and releasing paid results through entitlements.

## Canonical domains

- Marketing and product overview: https://itpay.ai
- Marketplace, checkout, service catalog, account flows, and API proxy: https://app.itpay.ai

## Agent discovery

- Machine-readable plugin manifest: https://app.itpay.ai/.well-known/ai-plugin.json
- Agent action manifest: https://app.itpay.ai/.well-known/agents.json
- OpenAPI contract: https://app.itpay.ai/openapi.yaml
- Public catalog manifest: https://app.itpay.ai/v1/catalog/manifest
- UCP profile: https://app.itpay.ai/.well-known/ucp
- Human installer and activation: https://itpay.ai/#install
- Shell installer: https://app.itpay.ai/install.sh
- Claude plugin: https://app.itpay.ai/plugins/itpay-claude.zip
- Standalone buyer Skill: https://app.itpay.ai/skills/itpay-mcp-buyer.zip

## Recommended agent flow

1. Read https://app.itpay.ai/.well-known/agents.json to identify supported ItPay actions.
2. Browse the catalog at https://app.itpay.ai/service or fetch https://app.itpay.ai/v1/catalog/manifest.
3. Use the OpenAPI contract for checkout, cart, catalog, and service execution calls.
4. For CLI-first environments, use `itpay catalog list`, `itpay cart add`, `itpay services next`, and `itpay services checkout`.
5. Do not invent catalog item ids, variant ids, offer ids, service execution ids, or capability ids.

## Service pages

- [Payment Collection](https://app.itpay.ai/services/payment-collection): Collect payments with a unified API across methods and regions, with ItPay protected checkout.
- [Payouts](https://app.itpay.ai/services/payouts): Send payouts programmatically to users, partners, and merchants.
- [KYC / KYB Verification](https://app.itpay.ai/services/kyc-kyb): Verify users and businesses to reduce fraud and meet compliance needs.
- [Fraud & Risk Scoring](https://app.itpay.ai/services/fraud-risk-scoring): Real-time fraud scoring for payments and onboarding flows.
- [FX Rates](https://app.itpay.ai/services/fx-rates): Live and historical FX rates for settlement and pricing.
- [Webhook Inspector](https://app.itpay.ai/services/webhook-inspector): Debug webhooks with replay, signature verification, and delivery status.