Phronetic AI, India’s first full-stack Agentic AI platform and an AI technology company backed by Infibeam Avenues Ltd, has announced the launch of PayCentral.ai, the country’s first Agentic Payment Platform that enables AI agents to transact on behalf of merchants and enterprises.

Designed as an intelligent payment infrastructure layer, PayCentral.ai integrates seamlessly with existing payment gateways and platforms, empowering merchant networks to deliver faster, automated, and intelligent payment experiences. The platform marks a major leap toward the future of Agent-to-Agent (A2A) payments).

Built on Google’s AP2 (Agent Payment Protocol), PayCentral.ai operates atop multiple Payment Aggregators’ Merchant Control Panels (MCPs) to create a unified, autonomous, auditable, and secure payment orchestration layer. Through this integration, merchants can now allow AI agents to generate dynamic payment links, process refunds, manage subscriptions, and reconcile accounts — all without human intervention.

Commenting on the launch, Rajesh Kumar S. A., CEO of Phronetic AI, said, “Agentic Payments are the next frontier in digital commerce. By integrating Google’s AP2 standards with MCPs of India’s leading payment aggregators and our Agent Operating System, we are building a secure, auditable, and scalable ecosystem where any AI agent can pay, and any AI agent can be paid.”

PayCentral.ai offers universal interoperability through AP2, enabling seamless transactions across multiple platforms and payment service providers. Its aggregator-first architecture is integrated with several RBI-approved MCP-enabled payment aggregators, beginning with CCAvenue, ensuring wide market reach and redundancy.

Every transaction on PayCentral.ai is secure and fully traceable through Phronetic’s Agent Operating System, providing compliance-ready logs. The platform also ensures sovereign deployment, keeping sensitive data within India’s borders to meet enterprise and regulatory requirements.

Scalable and future-ready, PayCentral.ai aims to unlock new possibilities in micropayments, recurring billing, and AI-driven commerce at a national scale.