The Pine Labs Autonomous Agentic Payment platform has officially launched with the introduction of the Pine Labs Payment Protocol (P3P), a new system designed to enable AI agents to complete UPI transactions without requiring human authentication after initial approval.
The development marks a significant step in the evolution of digital payments and autonomous commerce in India. Pine Labs says the platform extends existing UPI mandate capabilities, allowing AI-powered agents to browse, select, negotiate, and pay on behalf of users while operating within predefined spending controls and authorization limits.
Pine Labs Autonomous Agentic Payment Expands AI-Driven Commerce
P3P is built on India’s UPI infrastructure and leverages existing payment mechanisms such as one-time mandates and reserve pay. Under the model, users provide authorization once, allowing approved AI agents to carry out future transactions within specified conditions.
According to Pine Labs, the platform combines payment infrastructure, delegated authorization, auditability, and spending controls to facilitate autonomous transactions.
Key features include:
- One-time user authorization
- AI-triggered purchases
- Predefined spending limits
- Transaction audit trails
- Revocable mandates
- Automated settlement mechanisms
The company stated that compliance and security controls are integrated directly into the protocol layer to ensure user oversight remains central to the payment process.
How P3P Works in Autonomous Commerce
AI Agents Can Complete Purchases Independently
The platform introduces a new model of digital commerce where AI agents can execute transactions after receiving prior authorization.
For example, a customer may instruct an AI agent to purchase a product when a specific condition is met, such as a price reduction. Once the mandate is approved, the AI agent can complete the transaction automatically without requiring further intervention.
This approach aims to reduce manual monitoring and enable automated purchasing decisions based on user-defined preferences.
Built-In Consumer Controls
Pine Labs emphasized that users maintain control over agent activity through authorization frameworks and spending restrictions.
The system allows consumers to:
- Verify agent identities
- Set spending thresholds
- Review transaction histories
- Revoke permissions at any time
- Modify mandates when required
These controls are designed to provide transparency while supporting autonomous payment execution.
Early Merchant Adoption of P3P
The platform is already operational with select merchant partners.
Digital Gold Purchases on Gullak
Digital gold savings platform Gullak has integrated the technology to support automated gold purchases.
A user can establish a rule such as purchasing INR 500 worth of gold if prices fall below a specific threshold. Once the condition is satisfied, the AI agent automatically executes the transaction using the approved UPI mandate.
Automated Product Purchases at Vijay Sales
Electronics retailer Vijay Sales has also adopted the platform.
The implementation allows customers to set target prices for products such as smartphones, televisions, and home appliances. AI agents monitor pricing and complete purchases automatically when the desired price point is reached.
According to Vijay Sales Managing Director Karan Gupta, the technology can help consumers secure products at preferred prices without continuously tracking discounts or promotions.
Building on Earlier Agentic Payment Initiatives
The launch follows Pine Labs’ earlier efforts in agentic financial services.
In December 2025, the company introduced an AI-powered bill payment experience through Setu. The solution enabled AI agents to fetch bills, analyze charges, execute payments using pre-authorized funds, and provide spending insights.
The feature was initially made available through AI platforms including Claude and ChatGPT.
Growing Industry Interest in Agentic Payments
The broader financial technology industry has shown increasing interest in autonomous payment systems.
Prior initiatives involving India’s National Payments Corporation of India (NPCI), fintech company Razorpay, and OpenAI explored AI-assisted payment experiences that enabled agents to discover products, recommend alternatives, and complete purchases following user approval.
The launch of P3P reflects a broader trend toward integrating artificial intelligence with digital payment infrastructure.
Potential Impact on India’s Digital Payments Ecosystem
The introduction of autonomous payment protocols could influence how consumers interact with online marketplaces, retailers, and financial services.
Potential use cases include:
- Automated shopping
- Subscription management
- Bill payments
- Travel bookings
- Investment purchases
- Price-based purchasing strategies
As AI-powered commerce evolves, payment providers and merchants may increasingly explore systems that allow software agents to transact within user-approved boundaries.
What This Means
The launch of P3P represents a new phase in the development of AI-enabled commerce in India. By combining UPI mandates with autonomous decision-making capabilities, Pine Labs is introducing infrastructure designed for transactions initiated and completed by AI agents.
The technology highlights how payment systems are adapting to support emerging forms of digital commerce while maintaining user control, auditability, and compliance safeguards.
Key Takeaways
- Pine Labs has launched P3P, described as India’s first autonomous agentic payment platform.
- The system allows AI agents to complete UPI payments after a one-time user authorization.
- Users can set spending limits and revoke permissions when needed.
- The platform is already live with merchants including Gullak and Vijay Sales.
- P3P extends UPI mandate functionality into AI-driven commerce.
- The launch follows Pine Labs’ earlier AI-powered bill payment initiatives.
- Autonomous payments are emerging as a growing area within financial technology.
FAQs
What is the Pine Labs Autonomous Agentic Payment platform?
The Pine Labs Autonomous Agentic Payment platform, known as P3P, enables AI agents to execute UPI-based transactions after receiving prior authorization from users. The system is designed to automate purchasing and payment activities while operating within predefined spending limits and compliance controls.
How does P3P allow AI agents to make payments?
P3P uses existing UPI mandate infrastructure. Users authorize spending conditions in advance, and AI agents can then complete transactions automatically when specified criteria are met. No additional authentication is required after the initial approval, provided the transaction remains within approved limits.
Which merchants currently support P3P?
Pine Labs has launched P3P with select partners, including Gullak and Vijay Sales. These implementations allow customers to automate purchases based on conditions such as gold price movements or product price drops, enabling AI-driven purchasing experiences.
Can users control or revoke AI payment permissions?
Yes. Users can review agent activity, set spending restrictions, verify agent identities, and revoke permissions whenever they choose. Pine Labs states that consumer control and auditability are integrated into the protocol to ensure transparency and security.
Why is autonomous commerce gaining attention in fintech?
Autonomous commerce combines artificial intelligence with digital payments to automate purchasing decisions. Industry participants view it as a way to improve efficiency, reduce manual effort, and create personalized transaction experiences while maintaining compliance and user oversight.
