For merchants, platforms and personal-AI builders

Three steps to let a personal AI trade with a merchant.

Settled is the merchant-side negotiation and assurance desk. The merchant publishes policy and protection; a consumer's AI presents a mandate; both agents negotiate; PayPal settles; the buyer gets recourse. No custody, no new checkout, no card data.

Step 1 · Merchant

Connect PayPal + set policy

Install the Settled app from the PayPal partner directory (or run the server beside your store) and set three things: trust credential, protection tier, and the seller's private policy.

PAYPAL_LIVE=1
PAYPAL_CLIENT_ID=...
PAYPAL_CLIENT_SECRET=...
PAYPAL_ENV=sandbox
# seller policy is server-side:
# floor hidden, auto_accept, tiers

Step 2 · Checkout

Bind the contract, then order

At checkout, create a policy-bound contract and place the order at the agreed price. The ACC hash travels on the PayPal order.

POST /api/contracts
{ "merchant_id":"m1",
  "product_id":"p1",
  "buyer_agent_id":"a1" }

POST /api/merchants/m1/orders
{ "contract_id":"ctr_...",
  "agent_id":"a1" }

Step 3 · Consumer AI

Present a passport + mandate

The personal AI verifies itself, negotiates within the mandate, and signs. Any AI can call the API; MCP tools are the packaging step.

POST /api/agents/verify
{ "agent_id":"a1",
  "merchant_id":"m1",
  "amount":249 }

POST /api/contracts/:id/ai-auto
# -> signed contract + dialogue

Judge path: the hosted demo runs in SIM (no keys, no money). Click /demo.html → Reset → Run full demo. Step 3 shows the merchant agent and the consumer's personal agent negotiating in the open; step 5 shows the instant refund. The recorded video shows the same flow on the PayPal sandbox with real capture/refund IDs.

What PayPal provides vs what the merchant builds

Layer	PayPal	Settled / merchant
Identity & onboarding	Merchant account, KYB, Partner Referrals	Settled app install + policy console
Payment	Orders v2 create/capture, refunds, webhooks	Contract price, ACC hash, protection quote
Trust	Settlement + dispute data	Signed outcome credential, risk tier, cap
Negotiation	Agentic rails (AP2/ACP/UCP, Agent Ready)	Merchant agent + consumer-AI API / MCP
Recourse	Refund rail, buyer protection	Reserve-funded instant claim + AI review

Open the live demo Read the integration docs Agent console

Current build: working prototype (REST + sandbox adapter). Production packaging: PayPal app/Partner Referral, drop-in embed, OpenAPI + MCP server, insurer/LC-backed reserve, merchant OAuth. The demo pool is illustrative, not a balance sheet.