# PayOS, Inc. (B20250036923)

> PayOS, Inc. is a San Francisco-based, Delaware-formed payments-data and agentic-commerce infrastructure company that helps AI agents verify payment entities, use linked cards, complete checkout, send and receive funds, and manage billing alongside existing processors.

Company page on Leadbay: https://mad-max.leadbay.ai/company/payos.ai · loaded 2026-10-28

## At a glance

- Website: https://payos.ai
- Team based in: San Francisco (Leadbay's record and 2 more)
- Founded: 2025 (finance.yahoo.com and 2 more)
- Founders: Johnathan McGowan, Aparna Krishnan Girish
- Industry: Financial Services
- Employees: 3 (employees and founders, investors not counted; payos.ai and 1 more)
- Seen in its site's code: Google Analytics (googletagmanager.com/gtag/js), LinkedIn Insight (snap.licdn.com/li.lms-analytics), Cloudflare (/cdn-cgi/), Google Workspace (MX smtp.google.com) (read 2026-10-30)
- Email: press@payos.ai
- Address: 2261 MARKET STREET 
 #86465
SAN FRANCISCO, CA 94114

## What it sells, to whom

- PayOS, Inc. is a San Francisco-based, Delaware-formed payments-data and agentic-commerce infrastructure company that helps AI agents verify payment entities, use linked cards, complete checkout, send and receive funds, and manage billing alongside existing processors. ([payos.ai](https://payos.ai/), [payos.ai](https://payos.ai/blog/payos-launch), [platform.payos.ai](https://platform.payos.ai/sandbox-terms-of-service))

## Products and services

- Payments intelligence/data APIs covering card, bank, business, user, profile, and transaction data ([payos.ai](https://payos.ai/), [payos.ai](https://payos.ai/blog/payos-launch), [linkedin.com](https://linkedin.com/company/payos))
- **Agentic Checkout**: secure proxy-card/token-based agent payments ([payos.ai](https://payos.ai/agent-data), [payos.ai](https://payos.ai/), [payos.ai](https://payos.ai/blog/payos-launch))
- **Agentic Send & Receive**: card-based push/pull funds with controls ([payos.ai](https://payos.ai/agent-data), [payos.ai](https://payos.ai/), [payos.ai](https://payos.ai/blog/payos-launch))
- **Agentic Billing**: usage- or outcome-based billing, retries, and invoice triggers ([payos.ai](https://payos.ai/agent-data), [payos.ai](https://payos.ai/), [payos.ai](https://payos.ai/blog/payos-launch))
- PayOS platform/sandbox for developer integration and testing ([payos.ai](https://payos.ai/), [payos.ai](https://payos.ai/blog/payos-launch), [linkedin.com](https://linkedin.com/company/payos))

## Customers and markets

- **Customers**: INKPAY / INK Games (announced ecosystem partnership), AI developers and agentic-commerce builders (target customer segment); PayOS stated in September 2025 that it was ready to onboard customers. ([payos.ai](https://payos.ai/blog/payos-agentic-token-transaction-mastercard), [payos.ai](https://payos.ai/blog/payos-partners-with-inkpay))
- **Markets**: Worldwide / global availability, explicitly open to any company anywhere. ([payos.ai](https://payos.ai/blog/every-payos-product-now-self-serve), [payos.ai](https://payos.ai/blog/actionable-payments-data-self-serve-portal), [payos.ai](https://payos.ai/blog/payos-launch))
- **Markets**: Merchants and ecommerce businesses needing better authorization, conversion, fraud, and compliance outcomes. ([payos.ai](https://payos.ai/blog/every-payos-product-now-self-serve), [payos.ai](https://payos.ai/blog/actionable-payments-data-self-serve-portal), [payos.ai](https://payos.ai/blog/payos-launch))

## Team

- Johnathan McGowan, CEO and Co-Founder
- Aparna Krishnan Girish, Co-Founder and CPO
- Todd Funke, Founding Engineer - Core Platform

## Where to find more

- [This page in Markdown, for agents](https://mad-max.leadbay.ai/company/payos.ai.md)

## Decision makers

- [Johnathan McGowan](https://mad-max.leadbay.ai/person/johnathan-mcgowan--payos.ai.md), CEO and Co-Founder
- [Aparna Krishnan Girish](https://mad-max.leadbay.ai/person/aparna-krishnan-girish--payos.ai.md), Co-Founder and CPO

Work emails and direct phones come with a Leadbay account: https://wow.leadbay.ai/?register=true

Where it comes from: 7 sites read (payos.ai, platform.payos.ai, linkedin.com, bizprofile.net, crunchbase.com, cbinsights.com, corporate.ai).

## Best angle

2026-09-26 · News: Updated PayOS Sandbox Terms of Use for developer evaluation and integration testing (4 sources)

## Best way in

- Write to press@payos.ai (generic): A shared mailbox, in Leadbay's record, verified 2026-04-02

## Signals: what happened

- 2026-09-26 · News: Updated PayOS Sandbox Terms of Use for developer evaluation and integration testing (4 sources: [payos.ai](https://payos.ai/blog/payos-launch), [payos.ai](https://payos.ai/blog/payos-agentic-token-transaction-mastercard), [payos.ai](https://payos.ai/blog/payos-partners-with-inkpay))
- 2025-09-29 · Product: Announced a live agentic-token transaction using a Mastercard Agentic Token and Mastercard Agent Pay; said it was ready to onboard customers (4 sources: [payos.ai](https://payos.ai/blog/payos-launch), [payos.ai](https://payos.ai/blog/payos-agentic-token-transaction-mastercard), [payos.ai](https://payos.ai/blog/payos-partners-with-inkpay))
- 2025-05-15 · Partnership: Announced partnership with INKPAY / INK Games for agentic-commerce solutions in gaming and creator economies (4 sources: [payos.ai](https://payos.ai/blog/payos-launch), [payos.ai](https://payos.ai/blog/payos-agentic-token-transaction-mastercard), [payos.ai](https://payos.ai/blog/payos-partners-with-inkpay))
- 2025-04-30 · Product: Emerged from stealth and announced partnerships with Mastercard and Visa Intelligent Commerce (4 sources: [payos.ai](https://payos.ai/blog/payos-launch), [payos.ai](https://payos.ai/blog/payos-agentic-token-transaction-mastercard), [payos.ai](https://payos.ai/blog/payos-partners-with-inkpay))

## Working on now

- Actionable payments intelligence for merchants, banks, fintech platforms, fraud providers, and AI-agent builders: card, bank, business, identity, transaction, and agent data used to improve authorization, fraud, conversion, compliance, and payment success.
- Global self-serve expansion: since September 2026, every PayOS product is available to any company worldwide through the portal, with same-day signup for merchants, banks, agents, fintech platforms, and fraud-detection providers.
- Agentic commerce: provisioning and managing network agentic tokens, binding them to payment intents and limits, and enabling agents to pay securely across the web; the Browserbase partnership adds browser-based checkout execution.
- Network-token and agent-identity adoption: PayOS completed a Mastercard Agentic Token transaction and is onboarding both agentic and traditional customers; CEO Johnathan McGowan appeared on Money20/20’s October 19, 2026 Know Your Agent panel.

From: [Agents Are Ready to Pay. The Web Is Ready to Sell. PayOS + Browserbase Make It Real. | PayOS](https://payos.ai/blog/payos-browserbase-agents-ready-to-pay), [Every PayOS Product, Now Self-Serve | PayOS](https://payos.ai/blog/every-payos-product-now-self-serve), [PayOS Launches Self-Serve Portal for the World](https://payos.ai/blog/actionable-payments-data-self-serve-portal), [One Small Step for PayOS. One Giant Leap for Agentic Commerce. | PayOS](https://payos.ai/blog/payos-agentic-token-transaction-mastercard), [Know Your Agent: Here's How Banks Are Updating Identity Verification - Schedule](https://us.money2020.com/agenda/agenda/know-your-agent-heres-how-banks-are-updating-identity-verification-e103-76174)

## Summary

PayOS, Inc. is a San Francisco-based payments company that provides actionable data and infrastructure for the agentic economy. Founded in 2025 by Johnathan McGowan and Aparna Girish, the company operates a platform that helps AI agents, fintechs, banks, and merchants verify entities and secure transactions before money moves. Its services include agentic checkout, billing, and global payments data, and it is a partner of Mastercard and Visa. The company recently launched a global self-serve portal in September 2026 for accessing its payment intelligence tools. Nekuda is identified as a competitor.

[1]: https://payos.ai/ "Actionable Payments Data for Anyone, Anywhere."
[2]: https://payos.ai/blog/payos-launch "PayOS Partners with Mastercard and Visa Intelligent Commerce, Emerges From Stealth | PayOS"
[3]: https://payos.ai/blog/powering-agentic-commerce "PayOS: Powering the Infrastructure for Agentic Commerce | PayOS"
[4]: https://www.crunchbase.com/organization/payos "PayOS - Crunchbase Company Profile & Funding"
[5]: https://payos.ai/blog/actionable-payments-data-self-serve-portal "PayOS Launches Self-Serve Portal for the World | PayOS"
[6]: https://www.cbinsights.com/company/payos "PayOS - Products, Competitors, Financials, Employees, Headquarters Locations"
[7]: https://payos.ai/blog/payos-agentic-token-transaction-mastercard "One Small Step for PayOS. One Giant Leap for Agentic Commerce. | PayOS"
[8]: https://corporate.ai/entity/ca/b20250036923/payos-inc "PayOS, Inc. · CA Corp · Corporate.AI"

## Sources

- [PayOS, Inc. (B20250036923)'s website](https://payos.ai)
- [Agents Are Ready to Pay. The Web Is Ready to Sell. PayOS + Browserbase Make It Real. | PayOS](https://payos.ai/blog/payos-browserbase-agents-ready-to-pay)
- [Every PayOS Product, Now Self-Serve | PayOS](https://payos.ai/blog/every-payos-product-now-self-serve)
- [Know Your Agent: Here's How Banks Are Updating Identity Verification - Schedule](https://us.money2020.com/agenda/agenda/know-your-agent-heres-how-banks-are-updating-identity-verification-e103-76174)
- [Payos, Inc. San Francisco, CA - filing information](https://www.bizprofile.net/ca/san-francisco/payos-inc)
- [PayOS](https://linkedin.com/company/payos)