Make your payment products agent-ready.
A fixed-scope, four-week engagement for one rail, product, or payment workflow. Receipt defines the authority, policy, execution, reconciliation, and evidence architecture required to move it into a bounded pilot.
ONE PAYMENT FLOW
FOUR WEEKS
FIXED SCOPE
PILOT-READY ARCHITECTURE
The control questions
Define the authority behind one real transaction flow.
Identity, payments, and workflow systems each answer part of the problem. Receipt defines how they fit together for one real transaction flow.
What was delegated?
What limits still apply?
What evidence survives afterward?
What the Sprint delivers
A pilot-ready control architecture in four weeks.
Six working artifacts for one selected payment flow, designed to support a clear pilot, pass, or revisit decision.
Authority and transaction map
The principal, agent, payment product, rail, approving parties, material transaction fields, and system handoffs for the selected flow.
Agent-payment threat model
Prompt injection, altered instructions, credential misuse, replay, duplicate execution, policy drift, counterparty substitution, and uncertain outcomes.
Standards and control map
Relevant scheme, identity, authorization, security, audit, and evidence requirements mapped into the selected flow as design inputs, not as certification, compliance attestation, or legal advice.
Reference authorization architecture
Where the mandate is presented, checked, consumed, and recorded before provider entry, while your existing identity, fraud, ledger, execution, and settlement systems stay in place.
Evidence, dispute, and reconciliation profile
The records and states needed for reconciliation, audit, dispute, reversal, refund, remedy, and indeterminate outcomes.
Bounded-pilot blueprint
Pilot interfaces, acceptance criteria, implementation backlog, and the written PILOT · PASS · REVISIT recommendation for one bounded shadow pilot.
Architecture
Authority travels to evidence.
Trusted principaldelegated authorityReceipt policyexisting payment product or railOpen Receipt
Receipt works with the systems you already run, your identity stack, customer relationship, payment execution, and settlement. It doesn’t replace any of them.
Who it is for
Teams making payment products available to agents.
- Banks and credit unions
- Acquirers and processors
- Payment service providers and fintech platforms
- Payment networks and schemes
- Pay-by-bank and account-to-account payment products
- Agentic checkout, payout, refund, and transfer teams
Why Receipt
Your rails already move money. Receipt defines the authority arriving with the instruction.
Agent-initiated activity doesn’t fail because the payment can’t execute. It fails because nobody can answer who authorized it, what was delegated, and what limits still applied. Then the dispute arrives and there’s no evidence to point at.
Receipt defines:
- how a principal delegates economic authority to a specific agent;
- how that authority is presented with the instruction;
- what the provider must check before admitting it;
- which limits, approvals, and exceptions still apply;
- how execution, uncertainty, reconciliation, and remedy are handled;
- what portable evidence remains for audit and disputes.
Receipt sits alongside your identity, execution, and settlement systems. It doesn’t replace them. The sprint applies working authority and evidence primitives to one real payment flow.
Value
Move from strategy discussion to a bounded pilot.
- Give product teams a concrete architecture
- Align payments, fraud, risk, security, and operations
- Preserve existing identity and settlement systems
- Identify where policy must be enforced
- Define the evidence needed for audit and disputes
- Move from strategy discussion to one bounded pilot
Institutional questions
Questions payment, risk, security, and procurement teams ask first.
THE SPRINT ENDS WITH A DECISION
One payment flow, then a decision.
You leave with the control architecture, the pilot blueprint, acceptance criteria, and an implementation backlog. Enough to make one clear call:
PILOT · PASS · REVISIT