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DirectoryMedium Effortglobal

AgentPay — Agentic Commerce Payment Authorization & Spending Controls for SMBs

AI agents are spending money. They're calling paid APIs, subscribing to SaaS tools, purchasing inventory, booking travel, and procuring supplies — all on behalf of humans and businesses. But payment systems were designed for humans clicking "buy" buttons. There's no concept of:

Score78/100
Apr 2, 2026
TAM
€8B — Global corporate expense management and payment control software (includes Brex, Ramp, Divvy, etc.). Source: Grand View Research expense management market.
SAM
€1.2B — EU SMBs deploying AI agents that make financial transactions (API calls, SaaS subscriptions, e-commerce purchases on behalf of users).
SOM
€4M (Year 3) — 500-800 SMBs at €400-600/month average, plus per-transaction fees.
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The Problem

AI agents are spending money. They're calling paid APIs, subscribing to SaaS tools, purchasing inventory, booking travel, and procuring supplies — all on behalf of humans and business...

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