Phronetic AI, an AI technology company backed by Infibeam Avenues Limited, has officially launched PayCentral.ai, India’s first Agentic Payment Platform designed to revolutionise the digital payments landscape by enabling AI agents to transact autonomously on behalf of merchants and enterprises.

The announcement, made from Gandhinagar on October 8, 2025, marks a significant milestone in India’s journey towards AI integrated financial systems. The newly launched PayCentral.ai platform provides a unified intelligent infrastructure for Agent-to-Agent (A2A) transactions, laying the groundwork for a future where payments can be automated, secure, and completely AI driven.

A Step Towards Agentic Payments

Phronetic AI, known as India’s first full-stack Agentic AI platform, developed PayCentral.ai to serve as a next-generation payment orchestration layer. The platform integrates seamlessly with existing payment gateways and aggregators, such as CCAvenue, thereby extending its reach across vast merchant networks in India.

PayCentral.ai allows AI agents to handle key financial operations such as creating dynamic payment links, processing refunds, managing subscriptions, and reconciling accounts without human involvement. This innovation brings intelligence and autonomy to routine financial transactions, transforming the way digital commerce is conducted.

Built on Google’s AP2 Payment Protocol

The platform is built using Google’s AP2 (Agent Payment Protocol) and is designed to operate across multiple Payment Aggregators’ Merchant Control Panels (MCPs). This enables universal interoperability, allowing various AI agents to communicate and complete transactions across different systems.

By sitting above multiple aggregator frameworks, PayCentral.ai ensures a secure, auditable, and compliance-ready payment ecosystem. Every transaction executed through the platform is traceable, ensuring complete transparency and adherence to regulatory standards.

Key Highlights of PayCentral.ai

1. Universal Interoperability – Through AP2, the platform ensures that AI agents can seamlessly transact across diverse platforms and services, including multiple underlying Payment Service Providers (PSPs).

2. Aggregator-First Architecture – The system integrates with RBI-approved MCP-enabled Payment Aggregators, starting with CCAvenue, offering broad market reach and redundancy.

3. Autonomous Merchant Services – The AI agents can dynamically create links, manage refunds, subscriptions, and handle complex reconciliation automatically.

4. Secure and Auditable – Every transaction is logged within Phronetic’s Agent Operating System (AOS), ensuring traceable, compliance-ready payment records.

5. Sovereign Data Compliance – The infrastructure ensures that sensitive payment data remains within India’s borders, supporting enterprise and regulatory requirements.

6. Scalable for the Future – Designed for expansion, the system supports micropayments, recurring billing, and AI-driven financial operations at a national scale.

Agentic Payments: The Next Frontier

According to Rajesh Kumar S A, CEO of Phronetic AI, Agentic Payments are the next frontier in digital commerce. He explained that integrating Google’s AP2 standards with India’s leading Payment Aggregators’ Merchant Control Panels and Phronetic’s Agent Operating System (AOS) creates an ecosystem where any AI agent can pay, and any AI agent can be paid.

This approach opens a new chapter in AI-powered commerce, where businesses can automate financial transactions while maintaining control, traceability, and compliance.

How PayCentral.ai Works

At its core, PayCentral.ai functions as a middleware layer between Payment Gateways, Aggregators, and AI-driven systems. It enables AI agents developed using Phronetic’s Agent Operating System (AOS) to perform payment-related tasks automatically.

For instance, an enterprise can program its AI-based business assistant to generate a payment link for a customer, verify transaction completion, initiate refunds, or manage a recurring subscription plan — all in real time and without human involvement.

This not only reduces operational overheads but also enhances speed, accuracy, and scalability across payment operations.

About Phronetic AI

Phronetic AI stands as India’s first full-stack Agentic AI platform, pioneering autonomous agent technology that can perform cognitive and operational tasks across digital and physical domains.

The company’s innovations include proprietary vision-language models (Owlet), reasoning models (RZN), and the Agent Operating System (AOS) — a foundational framework that allows AI agents to act independently yet safely within defined boundaries.

With the launch of PayCentral.ai, Phronetic AI is extending its Agentic AI capabilities into fintech, introducing AI-native commerce that integrates intelligence directly into the payment layer.

Role of Infibeam Avenues Limited

Infibeam Avenues Limited, one of India’s leading fintech and AI companies, is the principal backer of Phronetic AI. Infibeam operates a global portfolio of digital payment solutions, AI technologies, and enterprise software platforms that serve governments, corporations, and businesses.

The company’s core Payment Gateway (PG) business, operating through CCAvenue, provides more than 200 payment options in 27 international currencies, facilitating seamless online transactions.

During FY25, Infibeam Avenues processed transactions worth INR 8.67 trillion (USD 106 billion) and served over 10 million clients worldwide. Its growing presence in India, UAE, Saudi Arabia, Australia, Oman, and the USA underscores its commitment to global financial technology innovation.

Strategic Impact of PayCentral.ai

The launch of PayCentral.ai signifies a major strategic move towards the AI automation of financial ecosystems. By combining Agentic AI technology with fintech infrastructure, Infibeam and Phronetic AI are positioning India at the forefront of AI-led financial innovation.

This collaboration not only enhances operational efficiency for merchants but also opens new possibilities in AI-driven commerce, intelligent billing systems, and machine-to-machine transactions.

As industries increasingly adopt autonomous systems, PayCentral.ai provides the infrastructure for real-time, secure, and compliant payment execution by AI entities.

The Broader Vision for AI-Native Finance

The concept of Agentic AI represents a paradigm shift in how financial systems operate. Instead of merely assisting humans, AI agents can now independently execute complex payment processes, adhering to compliance standards, and maintaining complete transparency.

By embedding intelligence directly into payment workflows, PayCentral.ai enables businesses to scale operations exponentially, eliminating manual errors and enhancing speed.

In the long term, such technology can extend to government transactions, enterprise supply chains, subscription models, and retail ecosystems, transforming the broader financial infrastructure of the nation.

Compliance, Security, and Data Sovereignty

PayCentral.ai is built with a strong focus on security and compliance. Its auditable architecture ensures that every AI-driven transaction generates a detailed log that can be independently verified.

Moreover, all sensitive data is stored within India’s geographical boundaries, ensuring compliance with data localisation norms and RBI guidelines. This feature makes PayCentral.ai especially attractive to regulated industries, financial institutions, and large enterprises that prioritise data integrity.

Global Relevance and Future Roadmap

While initially targeted at India’s digital ecosystem, PayCentral.ai is expected to serve as a global benchmark for AI-led financial automation.

With Infibeam Avenues’ existing international footprint in the Middle East, Australia, and North America, the platform could soon find adoption among global enterprises seeking scalable and secure Agentic Payment solutions.

Future updates may include support for cross-border AI payments, integration with blockchain ledgers, and AI-native credit assessment modules, extending the platform’s scope beyond conventional payment systems.

Industry Reactions

Experts in the fintech industry have praised PayCentral.ai as a transformative innovation. It demonstrates how AI and payments can merge to create a self-sustaining, intelligent ecosystem that drastically reduces latency and costs.

Analysts predict that Agentic Payment Systems could eventually handle a significant share of enterprise and retail transactions as businesses increasingly adopt autonomous workflows.

Conclusion

The launch of PayCentral.ai by Phronetic AI, backed by Infibeam Avenues Limited, marks the dawn of a new era in digital finance. By integrating Agentic AI with payment infrastructure, the platform lays the foundation for autonomous, compliant, and intelligent commerce.

This innovation is not only a technological milestone but also a symbol of India’s leadership in AI-driven fintech innovation.

As businesses continue to embrace automation, PayCentral.ai is poised to redefine how payments are initiated, authorised, and executed — seamlessly, intelligently, and securely.

Join our Telegram Channel for Latest News and Regular Updates.

Start your Mutual Fund Journey  by Opening Free Account in Asset Plus.

Start your Stock Market Journey and Apply in IPO by Opening Free Demat Account in Choice Broking FinX.