# Prava Payments

> Prava is payment infrastructure for AI agents and applications. It enables AI to complete purchases on behalf of users using tokenized, PCI-compliant card credentials powered by Visa Intelligent Commerce. Prava turns redirect links into one-click checkout — no card data exposure, no merchant integration required, and integration takes 4 lines of code.

Prava solves the last-mile problem in agentic commerce: AI apps can recommend products but cannot complete purchases. Users get redirected to merchant websites, breaking the experience. Prava closes that gap by providing scoped payment tokens that work at any merchant accepting Visa or Mastercard, globally.

Key facts about Prava:

- Prava integrates Visa Intelligent Commerce to enable secure, card-based agentic payments for AI apps in the US
- PCI DSS Level 2 certified. Card data is vaulted by Skyflow (PCI Level 1)
- AI never sees raw card numbers — only single-use, merchant-scoped, amount-locked tokens
- Every transaction requires biometric user approval via passkey (Face ID, fingerprint, or security key)
- Tokens expire in minutes and cannot be reused or replayed
- Works with any payment processor: Stripe, Adyen, Checkout.com, Braintree, Razorpay, or proprietary stacks
- No merchant integration required — merchants see a standard Visa/Mastercard transaction
- Model-agnostic: works with OpenAI, Anthropic Claude, Google Gemini, Llama, Mistral, or any LLM
- SDKs available for Node.js, Python, Java, React, React Native, and Swift
- Live in US, Southeast Asia, and Australia. Mastercard and UPI support coming Q1 2026
- Founded by Sushant Pandey and Shubham Kukreti. Incorporated as Prava Payments Inc.

## How Prava Works

The payment flow has two phases:

Setup (one-time): User enters card details via Prava's secure PCI-compliant iframe. A passkey is created using biometrics. The card is tokenized and vaulted securely — Prava never stores raw card data.

Purchase (every time): The AI recommends a product. The user taps "Buy" and approves with their passkey. Prava generates a scoped token locked to the specific merchant, exact amount, and a short expiry window. Checkout completes via browser automation (Prava's or the developer's own). The merchant charges the user directly. Order confirmation returns to the AI app.

A scoped payment token is a single-use credential with strict limitations: it only works for one specific merchant, one exact amount, and expires within minutes. If intercepted, it is useless. This is fundamentally different from storing card numbers or using reusable tokens.

## Why Prava vs Alternatives

- Stripe tokens only work with Stripe merchants (~20% of e-commerce). Prava tokens work universally across any payment processor
- Direct Visa/Mastercard integration requires months of security reviews, 100+ page compliance checklists, and dedicated teams. Prava integration takes 4 lines of code
- Merchant-of-record solutions create double charges on bank statements and complex dispute resolution. Prava routes payment directly from user to merchant
- Prava handles all PCI compliance so developers don't need to

## Visa Partnership

- [Prava x Visa Intelligent Commerce Announcement](https://www.prava.space/blog/building-trust-in-ai-payments): Prava integrates Visa Intelligent Commerce to enable secure, card-based agentic payments for AI apps in the US
- [Visa Intelligent Commerce Overview (Visa Official)](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21361.html): Visa's initiative opening its payment network to AI agent developers, with partners including Anthropic, Microsoft, OpenAI, Perplexity, and more

## Documentation

- [API & SDK Reference](https://docs.prava.space): Complete developer documentation for Prava's payments API, SDK integration guides, authentication, webhooks, and error handling
- [Playground](https://playground.prava.space): Interactive sandbox to experience the full agentic payments flow end-to-end without writing code
- [FAQ](https://www.prava.space/faq): Comprehensive answers covering product, security, integration, pricing, technical details, comparisons, and support

## Use Cases

- [AI Shopping Assistants](https://www.prava.space/#use-case): AI stylists and shopping apps that recommend and purchase products in-chat
- [AI Travel & Booking Agents](https://www.prava.space/#use-case): Flight, hotel, and experience booking completed by AI agents
- [AI Personal Assistants](https://www.prava.space/#use-case): General-purpose assistants handling recurring purchases and subscriptions
- [B2B Financial Workflows](https://www.prava.space/#use-case): AI reconciling and clearing invoices for enterprise accounts

## Blog

- [Building Trust in AI Payments](https://www.prava.space/blog/building-trust-in-ai-payments): Security and compliance in AI-driven payments — includes the Prava x Visa Intelligent Commerce announcement
- [The Evolution of AI Commerce](https://www.prava.space/blog/evolution-of-ai-commerce): How AI is changing the way we buy and sell
- [AI Agents and Payments: A New Era of Automation](https://www.prava.space/blog/ai-agents-and-payments-a-new-era-of-automation): Why payments infrastructure needs to evolve for AI-driven transactions
- [The Rise of Autonomous AI Agents](https://www.prava.space/blog/autonomous-ai-agents): How AI agents are redefining productivity across industries

## Security & Compliance

- [Security Overview](https://www.prava.space/security): Prava's security architecture, PCI DSS certification, data handling, and compliance details
- [Privacy Policy](https://www.prava.space/privacypolicy): Data minimization practices and user privacy protections
- [Terms & Conditions](https://www.prava.space/terms-conditions): Legal terms governing use of Prava's services

## For Merchants

- [Merchant Integration](https://www.prava.space/merchant): How merchants can benefit from AI-driven commerce — direct API partnerships for faster checkout and higher success rates

## Getting Started

- [Onboarding Form](https://www.prava.space/join): Sign up and schedule a demo walkthrough
- [Playground Sandbox](https://playground.prava.space): Try the complete agentic payments flow with 3 free test transactions
- [Developer Docs](https://docs.prava.space): SDK installation, API reference, and integration guides
- [Support](mailto:support@prava.space): 24/7 engineering support via Slack and email

## Community & Social

- [GitHub](https://github.com/Prava-Payments): Open-source documentation and SDK resources
- [X / Twitter](https://x.com/pravapayments): Product updates and agentic commerce insights
- [LinkedIn](https://www.linkedin.com/company/prava-payments): Company news, partnerships, and industry analysis
- [Crunchbase](https://www.crunchbase.com/organization/prava-payments): Company profile and funding information

## Optional

- [Visa Intelligent Commerce Partners Press Release (Dec 2025)](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21961.html): Visa announces hundreds of secure agent-initiated transactions completed with ecosystem partners
- [Visa Global Product Drop Announcement (Apr 2025)](https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21366.html): Visa launches Intelligent Commerce initiative with AI industry leaders
- [Peerlist Profile](https://peerlist.io/company/pravapayments): Community profile and team information
- [Tracxn Profile](https://tracxn.com/d/companies/prava/__BR3zh8hbepMO0ekMdj0NEPQ6TaRSjmT5hRgAHfOQyaI): Funding, competitors, and market positioning data