Turn Card Authorization into Programmable Payment Agreements
Offer evidence-based conditional payments, guaranteed instant payouts, and AI-ready commerce—all on your existing card network infrastructure.
Programmable Products, Stronger Disputes, AI Readiness
Launch premium offerings on your existing rails, improve dispute outcomes with shared evidence, and get ahead of AI agent commerce while guaranteeing instant payouts.
Premium Products on Familiar Rails
Offer four PayNote-powered products—card payments, push-to-card guarantees, marketplace routing, and merchant transfers—without replacing existing systems.
- Upsell conditional capture, guaranteed payouts, and B2B settlements.
- Differentiate with programmable payments versus static authorization.
- Drive new revenue while keeping merchants on your platform.
Chargeback Defense with Evidence
PayNotes don’t bypass chargebacks—they improve representment outcomes with a cryptographically signed timeline.
- Delivery confirmations, quality checks, and approvals captured in one place.
- Projected representment win rates of 60–80% versus 30–40% today.
- Faster dispute resolution lowers internal ops cost and merchant churn.
AI Agent Commerce Readiness
Provide controlled spending environments for autonomous agents selecting merchants after authorization.
- Pre-authorize budgets with vendor allow-lists and conditional capture.
- Full audit trail of agent decisions and human oversight for exceptions.
- Position your network as the default for AI procurement workflows.
Guaranteed Instant Payouts
Push-to-card PayNotes block funds with the processor before promising payout, creating processor-backed recipient confidence.
- Processor guarantees enable premium pricing for instant payouts.
- Ideal for gig platforms, insurance claims, marketplace seller payouts, and instant refunds.
- Evidence trail proves funds were blocked, reducing trust friction for recipients and regulators.
PayNote Product Portfolio
Evidence-based authorization with programmable capture windows and dispute-ready timelines. Ideal for delivery, services, trials, and high-value goods.
- Revenue: +0.3–0.5% interchange premium and conditional capture fees.
- Merchants gain shared evidence to defend chargebacks.
- Customers see guaranteed conditions, increasing conversion.
Guaranteed instant payouts using fund blocking before card deposit. Removes failure risk for gig platforms, insurers, and marketplaces.
- Revenue: $2–5 per guaranteed payout.
- Block funds at source, deposit instantly when conditions met.
- Evidence trail for compliance audits and dispute handling.
Single authorization with merchant selection later or split settlements across multiple sellers—perfect for AI shopping agents.
- Revenue: +0.5–1% interchange premium plus per-settlement fees.
- AI agents shop safely within pre-approved budgets.
- Marketplaces keep checkout UI while routing to multiple merchants.
Automate partner commissions, referral payouts, and B2B settlements with guaranteed timelines and evidence.
- Revenue: 1–2% transaction fees plus merchant network subscriptions.
- Network effects as more merchants adopt programmable partnerships.
- Creates defensible moat around your merchant ecosystem.
See How It Works
Baseline conditional authorization with reserve-and-capture flow.
Guaranteed instant payout using fund blocking before card deposit.
Procurement agent selects the best merchant post-authorization under tight guardrails.
Integration Strategy Options
Choose your level of control—no vendor lock-in. Processors can adopt PayNotes through three integration levels, balancing speed-to-market with operational control. Start at any level and migrate freely. The PayNote specification is open—documents remain portable across all approaches.
Level 1 · MyOS-Powered Integration
Best for: Rapid pilot and initial deployment.
- MyOS handles all PayNote document processing.
- You receive webhooks and run events through existing operations.
- Respond via simple APIs with confirmations or decline reasons.
- Short time to market, very easy to implement.
Level 2 · Verification-Based Integration
Best for: Enhanced security while keeping operational efficiency.
- Continue Level 1 processing with MyOS.
- Deploy your own Blue processor to verify state changes independently.
- Receive both MyOS results and the triggering events for audit.
- Add the verification layer without disrupting ongoing operations.
Level 3 · Independent Integration
Best for: Maximum autonomy and control.
- Run your own timeline infrastructure and Blue processors.
- Remove dependencies on MyOS while maintaining protocol compliance.
- Full control over monitoring, logging, and processing pipelines.
- Requires greater technical investment and ongoing maintenance.
Key Point: Starting at Level 1 does not lock you in. The PayNote specification is open—any compliant processor produces identical results. Move between levels as your business needs evolve.
Compliance & Risk Benefits
Card Network Compatibility
PayNotes operate inside existing Visa and Mastercard rules. Authorizations, captures, and chargebacks remain compliant.
- Conditional terms surfaced during authorization—no hidden rules.
- Chargeback rights preserved; PayNotes enhance representment evidence.
- Marketplace flows stay within payment facilitator guidelines.
Dispute Resolution Improvements
Shared timelines consolidate evidence for faster resolution and higher representment win rates.
- Carrier confirmations, service approvals, and transfers automatically linked to the transaction.
- Customers contradicting previous approvals face cryptographic proof.
- Merchants gain confidence to stay on your platform.
Risk & Fraud Controls
Existing risk engines remain active. PayNotes add rich metadata for more nuanced scoring and manual reviews.
- Investigate condition manipulation via verified evidence sources.
- Monitor AI agent behavior and marketplace routing for anomalies.
- Hold or decline captures when new risk signals emerge.
Liability Clarity
When you enforce customer-authorized conditions, liability boundaries are clear and supported by PayNote evidence.
- Process captures only after validating required evidence.
- Decline or pause transactions when policies or sanctions require.
- Document every decision in the PayNote timeline for audit.
Use Cases Driving Adoption
E-Commerce Delivery Protection
Capture only after carrier confirmation. Merchants save chargeback losses; customers trust guaranteed delivery.
- Revenue: +0.4% interchange and $0.15 delivery confirmation fee.
AI Agent Procurement
Allow agents to compare vendors and buy the best option while staying inside programmable limits.
- Revenue: +0.8% interchange premium + $0.75 AI transaction fee.
Guaranteed Gig Payouts
Block funds before launching instant payouts. Eliminate 3–5% failure rates for gig platforms.
- Revenue: $3.50 per payout (vs $0.75 standard).
Service Marketplace Quality Guarantee
Trial-period and quality-check PayNotes automate refunds and approvals, fostering trust.
- Revenue: +0.5% interchange + $0.50 quality verification fee.
Multi-Merchant Shopping Cart
One authorization powers multiple merchants in a cart. Split settlement after each delivery.
- Revenue: $0.25 per merchant settlement + coordination fee.
Trial Subscription Guarantees
Processor-backed “cancel anytime” offers increase trial conversions by guaranteeing refunds.
- Revenue: $0.50 guarantee fee plus higher retained spend.
Example Pricing Models
Card Payment PayNote
Evidence-driven authorization and capture.
- 0.3–0.5% interchange premium above standard.
- $0.10–0.50 fees for conditional capture events.
- Example: $500 transaction → $15.15 revenue vs $12.50 standard.
Push-to-Card PayNote
Guaranteed instant payouts with fund blocking.
- $2–$5 per guaranteed payout (volume-tiered).
- Example: 50K payouts/month @ $2.50 = $125K revenue vs $37.5K standard.
Card Marketplace PayNote
Flexible merchant routing, ideal for AI shopping.
- 0.5–1% interchange premium + $0.25–0.50 per settlement.
- $0.50–1.00 AI commerce fee per transaction.
- Example: $1000 cart → $34.80 revenue vs $28 standard.
Merchant Transfer PayNote
Conditional B2B settlements and partnership payouts.
- 1–2% transaction fee on B2B settlements.
- Merchant network subscriptions ($50–500/month).
- Example: 100 merchants, $50K monthly volume → $16K+ revenue.
Bring programmable card products to market
Work directly with Blue Language Labs to scope your processor pilot, align partner teams, and ship PayNote-backed SKUs on existing rails.