Pine Labs Payments Protocol (P3P)
Build autonomous agent-to-agent payment flows using Pine Labs Payment Protocol (P3P).
What is Pine Labs Payments Protocol (P3P)?
Pine Labs Payments Protocol (P3P) is an open payments protocol that enables AI agents, merchants, and autonomous systems to securely initiate, authorize, and execute payments without a human at the point of transaction.
P3P uses standard HTTP interfaces to let participants discover services, create orders, obtain delegated authorization, process payments, and exchange verifiable receipts. A consent-driven mandate model gives users upfront control over agent spending while enabling fully autonomous commerce.
Quickstart GuideWho Uses Pine Labs Payments Protocol (P3P)?
P3P is designed for merchants, AI agents, applications, and autonomous systems that need to support secure, consent-driven machine payments.
| Participant | What they do |
|---|---|
| Merchants | Enable AI agents and applications to securely pay for products, services, subscriptions, and digital resources. |
| AI Agents & Applications | Execute payments on behalf of users within approved authorization and spending limits. |
| Users | Control how, when, and how much agents can spend on their behalf. |
| Pine Labs | Coordinates payment authorization, transaction processing, receipt exchange, and settlement across participants. |
How P3P Works?
Key Features
Agent-Native Payments
P3P lets AI agents, autonomous pipelines, and embedded commerce systems initiate and complete transactions without requiring a human at the point of payment.
Standardized Communication
A single HTTP-native protocol for payment authorization, capture, and receipt exchange that works consistently across agents, merchants, and payment providers.
Secure Payment Authorization
Every transaction is scoped and bounded at issuance. Payment tokens are tied to a specific resource, amount, and expiry. They cannot be replayed, redirected, or reused.
Multi-Payment Method Support
Currently live on UPI ReservePay. Cards, Net Banking, Wallets, and EMI options are on the roadmap. The P3P challenge and receipt format remains the same across all rails.
Real-Time Status Tracking
Track payment lifecycle events and transaction updates in real time. Every state change, from challenge to capture to receipt, is observable and auditable.
Verifiable Receipts
Every completed transaction returns a cryptographically verifiable receipt. Receipts serve as proof of payment for audit trails, compliance, and dispute resolution.
Supported Use Cases
AI Shopping Assistants
Enable AI assistants to complete purchases on behalf of customers by selecting, authorizing, and confirming transactions without manual intervention at each step.
Marketplace Transactions
Support machine-to-machine commerce across marketplace platforms, where client and server systems interact directly through the P3P protocol.
Embedded Commerce
Integrate payment execution directly into applications and workflows, so purchasing happens as a native step in the process rather than a redirect to an external checkout.
Autonomous Procurement
Automate purchasing flows for both B2B and B2C scenarios, where systems initiate and complete transactions based on predefined rules and approved spending limits.