Agentic Commerce Suite
From deterministic systems to reasoning commerce — Pine Labs' suite for AI-native discovery, checkout, credit, and merchant operations.
Agentic Commerce is the next evolution of digital payments — where transactions are no longer initiated through clicks and forms, but through intelligent conversations powered by AI agents.
For decades, commerce operated on deterministic systems: a card tap triggered a payment, a rule triggered a fraud check, and every flow followed a predefined path. But consumer behavior has changed. Today’s shoppers discover, compare, and decide within conversations — increasingly guided by AI assistants and autonomous agents.
Pine Labs is building for this new paradigm by enabling commerce infrastructure that is AI-native, context-aware, and seamlessly embedded into conversational experiences. From product discovery to checkout and payment orchestration, Agentic Commerce allows merchants, platforms, and developers to integrate payments directly into AI-driven interactions — securely, intelligently, and at scale.
Talk to our Sales teamThe shift
From deterministic systems to reasoning commerce.
The next generation of fintech will not be powered by static "if/then" flows alone. It will be powered by reasoning systems — systems that understand context, weigh probabilities, and act autonomously within guardrails.
The commerce switch is no longer just a router of transactions. It becomes a reasoning engine.
How it works
A real transaction. Inside a chat.
A user opens ChatGPT, asks for what they want, and pays — without an app switch, redirect, or broken checkout. Real product. Real money. Real conversion. Live today on India's UPI rails.
Talk to our Sales teamThe suite
Four pillars. One agentic stack.
This vision manifests across four areas — how businesses sell, how consumers pay, how credit is assessed, and how merchant operations scale. Not the endgame. Just the start.
Agentic Commerce for Businesses
Conversational discovery, embedded checkout, and accountable Merchant Agents that optimise for measurable conversion. Catalogues, inventory, payments, and fulfilment — connected into AI-native environments. Your store gets discovered by agents instead of waiting to be searched.
Agentic Payments for Consumers
Secure, delegated execution. Dynamic affordability evaluation across EMIs, pay-later, and mandates. Agents don't just remind you to pay — they reason, compare, and recommend responsibly. Built on India's UPI and BBPS rails.
Reasoning-Led Credit
From episodic underwriting to continuous decisioning. Digital twins of expert underwriters. Risk monitored dynamically, not periodically. Predictive recovery agents in collections. Credit becomes an adaptive, contextual pulse — not a snapshot.
AI-Native Merchant Experience
Onboarding, risk profiling, reconciliation, and support — re-engineered as AI-augmented workflows. False positives decline. Turnaround times compress. Support becomes proactive. Lower cost to serve, faster scale.
What you get
Make your store AI-ready.
Four building blocks that ship as part of the Agentic Commerce Suite — designed for SMBs, engineered for scale.
Conversational discovery
Catalogue, inventory, and product metadata become AI-native. Customers find you through natural-language queries; AI agents recommend you with context.
Embedded checkout
Delegated, in-conversation checkout across UPI, cards, and wallets. Mastercard authentication standards. Pine Labs payments orchestration.
Affordability built in
EMIs, pay-later, and dynamic affordability evaluation surface intelligently — the right offer to the right customer at the right moment.
Logistics & support
Order tracking, post-purchase support, and fulfilment events flow back into the AI agent. The customer relationship continues after checkout.
Why it matters
New demand surfaces. New revenue.
"Businesses will not wait to be searched. They will be discovered by agents."
In the agentic economy, commerce will be discovered, decided, and executed inside AI environments. The Agentic Commerce Suite gives businesses — especially SMBs — three structural advantages they don't get from any traditional payments stack:
| Metric | What it means |
|---|---|
| 0 app installs, redirects, or context switches | Between discovery and payment |
| 3+ LLM platforms supported | ChatGPT live; Claude and Gemini next |
| 1 integration | Your existing Pine Labs Online stack becomes AI-ready by default |
Talk to sales
Get your store discovered by AI.
Tell us about your business. Our agentic commerce team will walk you through integration, certification, and go-live across LLM platforms.
What you get on the call:
- 30-min discovery call with a Pine Labs solutions lead
- Custom plan for your catalogue, payment mix, and AI surface
- Sandbox access to test the full ChatGPT × Pine Labs flow
- Co-branded launch when you go live
Pine Labs × OpenAI — The age of agentic commerce, engineered.