# Send PayPilot by AGMS to your agent
Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.
## Fast path
- Download the package from Yavira.
- Extract it into a folder your agent can access.
- Paste one of the prompts below and point your agent at the extracted folder.
## Suggested prompts
### New install

```text
I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete.
```
### Upgrade existing

```text
I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run.
```
## Machine-readable fields
```json
{
  "schemaVersion": "1.0",
  "item": {
    "slug": "paypilot-agms",
    "name": "PayPilot by AGMS",
    "source": "tencent",
    "type": "skill",
    "category": "AI 智能",
    "sourceUrl": "https://clawhub.ai/agmsyumet/paypilot-agms",
    "canonicalUrl": "https://clawhub.ai/agmsyumet/paypilot-agms",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadUrl": "/downloads/paypilot-agms",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=paypilot-agms",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "packageFormat": "ZIP package",
    "primaryDoc": "SKILL.md",
    "includedAssets": [
      "references/gateway-api.md",
      "references/pci-compliance.md",
      "references/payment-flows.md",
      "SKILL.md"
    ],
    "downloadMode": "redirect",
    "sourceHealth": {
      "source": "tencent",
      "slug": "paypilot-agms",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-05-03T02:03:43.684Z",
      "expiresAt": "2026-05-10T02:03:43.684Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=paypilot-agms",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=paypilot-agms",
        "contentDisposition": "attachment; filename=\"paypilot-agms-1.3.5.zip\"",
        "redirectLocation": null,
        "bodySnippet": null,
        "slug": "paypilot-agms"
      },
      "scope": "item",
      "summary": "Item download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this item.",
      "primaryActionLabel": "Download for OpenClaw",
      "primaryActionHref": "/downloads/paypilot-agms"
    },
    "validation": {
      "installChecklist": [
        "Use the Yavira download entry.",
        "Review SKILL.md after the package is downloaded.",
        "Confirm the extracted package contains the expected setup assets."
      ],
      "postInstallChecks": [
        "Confirm the extracted package includes the expected docs or setup files.",
        "Validate the skill or prompts are available in your target agent workspace.",
        "Capture any manual follow-up steps the agent could not complete."
      ]
    }
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/paypilot-agms",
    "downloadUrl": "https://openagent3.xyz/downloads/paypilot-agms",
    "agentUrl": "https://openagent3.xyz/skills/paypilot-agms/agent",
    "manifestUrl": "https://openagent3.xyz/skills/paypilot-agms/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/paypilot-agms/agent.md"
  }
}
```
## Documentation

### PayPilot — Payment Processing for AI Agents

Accept payments, send invoices, issue refunds, and track sales — all through conversation.

### Setup

PayPilot connects to a hosted API proxy at https://paypilot.agms.com. On first use, check for credentials:

cat ~/.config/paypilot/config.json

If no config exists, guide the user through setup:

Register on the PayPilot proxy:

curl -s "https://paypilot.agms.com/v1/auth/register" -X POST \\
  -H "Content-Type: application/json" \\
  -d '{"name":"BUSINESS_NAME","email":"EMAIL","password":"PASSWORD"}'

Login to get an access token:

curl -s "https://paypilot.agms.com/v1/auth/login" -X POST \\
  -H "Content-Type: application/json" \\
  -d '{"email":"EMAIL","password":"PASSWORD"}'

Configure the payment gateway key:

curl -s "https://paypilot.agms.com/v1/auth/configure" -X POST \\
  -H "Content-Type: application/json" \\
  -H "Authorization: Bearer $TOKEN" \\
  -d '{"gateway_key":"YOUR_GATEWAY_KEY"}'

Save credentials locally:

mkdir -p ~/.config/paypilot
cat > ~/.config/paypilot/config.json << 'EOF'
{
  "api_url": "https://paypilot.agms.com",
  "email": "merchant@example.com",
  "token": "jwt_token_here"
}
EOF
chmod 600 ~/.config/paypilot/config.json

If the user doesn't have a gateway account, start the onboarding process:

Collect basic info conversationally:

Business name
Contact name
Email
Phone
Business type (retail, restaurant, ecommerce, mobile, etc.)



Save the lead to our system:

curl -s "https://paypilot.agms.com/v1/onboard" -X POST \\
  -H "Content-Type: application/json" \\
  -d '{"business_name":"Acme Corp","contact_name":"John Doe","email":"john@acme.com","phone":"555-1234","business_type":"retail"}'

Send them the full application link to complete and e-sign:

"Great! To finish your application, complete the form here: https://agms.com/get-started/
It takes about 5-10 minutes. You'll need your business address, Tax ID, and banking info. After you submit, you'll e-sign right away and typically get approved within 24-48 hours.
Once approved, come back and I'll set up your payment processing in seconds."

Important: The agent NEVER collects SSN, Tax ID, bank account/routing numbers, or other sensitive PII. Those go through the secure AGMS form only.

### Authentication

All payment endpoints require a JWT bearer token. Load config and set headers:

CONFIG=$(cat ~/.config/paypilot/config.json)
API=$(echo $CONFIG | jq -r '.api_url')
TOKEN=$(echo $CONFIG | jq -r '.token')
AUTH="Authorization: Bearer $TOKEN"

If a request returns 401, re-login and update the saved token.

To refresh an expired token:

# Re-login
LOGIN=$(curl -s "$API/v1/auth/login" -X POST \\
  -H "Content-Type: application/json" \\
  -d "{\\"email\\":\\"$(echo $CONFIG | jq -r '.email')\\",\\"password\\":\\"YOUR_PASSWORD\\"}")
NEW_TOKEN=$(echo $LOGIN | jq -r '.access_token')

# Update config
TMP=$(mktemp)
chmod 600 "$TMP"
jq --arg t "$NEW_TOKEN" '.token = $t' ~/.config/paypilot/config.json > "$TMP" && mv "$TMP" ~/.config/paypilot/config.json
chmod 600 ~/.config/paypilot/config.json

### Charge / Sale

Process a payment using a vaulted card token. Never handle raw card numbers.

curl -s "$API/v1/payments/charge" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"amount":500.00,"token":"VAULT_ID","description":"Consulting — January"}'

Enable 3D Secure for higher-value or flagged transactions:

curl -s "$API/v1/payments/charge" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"amount":2500.00,"token":"VAULT_ID","description":"Premium service","three_d_secure":true}'

The response includes risk assessment and verification:

{
  "transaction_id": "123",
  "status": "complete",
  "amount": 2500,
  "risk": { "score": "low", "flags": [] },
  "verification": { "avs": "Y", "cvv": "M" },
  "three_d_secure": true
}

### Send Invoice / Payment Link

curl -s "$API/v1/payments/invoice" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"amount":500.00,"email":"john@example.com","description":"Consulting — January"}'

### Refund

# Full refund
curl -s "$API/v1/payments/refund" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"transaction_id":"TXN_ID"}'

# Partial refund
curl -s "$API/v1/payments/refund" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"transaction_id":"TXN_ID","amount":50.00}'

### Void (same-day cancel)

curl -s "$API/v1/payments/void" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"transaction_id":"TXN_ID"}'

### View Transactions

curl -s "$API/v1/transactions" -H "$AUTH" | jq .

### Sales Summary

curl -s "$API/v1/transactions/summary" -H "$AUTH" | jq .

### Customer Vault (Tokenize Cards Securely)

Store a card securely — returns a vault token. The customer enters card details through a secure form; raw card data never touches the agent.

curl -s "$API/v1/vault/add" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"first_name":"John","last_name":"Smith","email":"john@example.com"}'

### Charge a Vaulted Card

curl -s "$API/v1/vault/charge" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"vault_id":"VAULT_ID","amount":99.00,"description":"Monthly service"}'

### Recurring Billing

# Create subscription
curl -s "$API/v1/subscriptions" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"vault_id":"VAULT_ID","plan_id":"monthly_99","amount":99.00,"interval":"monthly"}'

# Cancel subscription
curl -s "$API/v1/subscriptions/SUB_ID" -X DELETE -H "$AUTH"

### Fraud Detection & Rules

# View 30-day fraud analytics
curl -s "$API/v1/fraud/summary" -H "$AUTH" | jq .

# List active fraud rules
curl -s "$API/v1/fraud/rules" -H "$AUTH" | jq .

# Create a fraud rule (flag transactions over $5000)
curl -s "$API/v1/fraud/rules" -X POST \\
  -H "Content-Type: application/json" -H "$AUTH" \\
  -d '{"rule_type":"max_amount","threshold":"5000","action":"flag"}'

# Supported rule types: max_amount, min_amount, velocity_limit
# Actions: flag (alert), block (reject), review (hold)

# View a specific rule (if supported)
curl -s "$API/v1/fraud/rules/RULE_ID" -H "$AUTH" | jq .

# Delete a rule
curl -s "$API/v1/fraud/rules/RULE_ID" -X DELETE -H "$AUTH"

Note: rule updates are not supported. Delete and recreate the rule instead.

Example response from creating a rule:

{
  "rule_id": "rule_123",
  "rule_type": "max_amount",
  "threshold": "5000",
  "action": "flag",
  "status": "active",
  "created_at": "2026-03-15T00:00:00Z"
}

When reporting fraud stats:

"🛡️ Last 30 days: 45 transactions, 0 flagged, 0 blocked. 1 active rule (max $5,000). Fraud rate: 0.00%"

### Security Rules

NEVER ask for, log, or store raw credit card numbers
NEVER include card numbers in conversation history or memory files
ALWAYS use payment links or customer vault tokens for charges
ALWAYS use HTTPS — the proxy enforces TLS
API tokens and gateway keys must stay in config files, never in chat
The proxy encrypts gateway keys at rest (AES-256-GCM)
Rate limited: 60 requests/min global, 5/min on auth endpoints

### Error Handling

401 Unauthorized: re-login, update the saved token, then retry.
400 Bad Request: validate request body and log the error message.
429 Rate Limited: 60 req/min global, 5/min auth. Back off and retry.
5xx Server Error: retry with exponential backoff.
Network errors: verify HTTPS connectivity, then retry.

### Response Patterns

When a payment succeeds:

"✅ Payment of $500.00 processed. Transaction ID: abc123."

When sending an invoice:

"📧 Payment link for $500.00 sent to john@example.com."

When a payment fails:

"❌ Payment declined. Want to try a different method or send a payment link instead?"

When checking sales:

"📊 This month: 23 transactions · $4,750 in sales · 2 refunds ($150) · Net: $4,600"

### API Reference

For detailed gateway API documentation, see references/gateway-api.md.
For payment flow diagrams, see references/payment-flows.md.
For PCI compliance guidelines, see references/pci-compliance.md.

### Discovery

AI agents and bots can discover PayPilot capabilities automatically:

OpenAPI Spec: https://paypilot.agms.com/openapi.json
AI Plugin Manifest: https://paypilot.agms.com/.well-known/ai-plugin.json
LLM Resource Index: https://paypilot.agms.com/llms.txt
Landing Page: https://agms.com/paypilot/
ClawHub: https://clawhub.ai/agmsyumet/paypilot-agms

### Metadata

Homepage: https://agms.com/paypilot/
Source: https://github.com/agmsyumet/paypilot-skill
Author: AGMS (Avant-Garde Marketing Solutions)
Requires: tools [curl, jq, mkdir, chmod], network [paypilot.agms.com]
Credentials: PAYPILOT_EMAIL — Your merchant email for the PayPilot API
Credentials: PAYPILOT_PASSWORD — Your merchant password (used only during login to obtain a JWT)
Credentials: PAYPILOT_GATEWAY_KEY — Your payment gateway security key (encrypted at rest on the server)
Config path: ~/.config/paypilot/config.json
Config permissions: 600
Config contents: api_url, email, token (JWT)
## Trust
- Source: tencent
- Verification: Indexed source record
- Publisher: agmsyumet
- Version: 1.3.1
## Source health
- Status: healthy
- Item download looks usable.
- Yavira can redirect you to the upstream package for this item.
- Health scope: item
- Reason: direct_download_ok
- Checked at: 2026-05-03T02:03:43.684Z
- Expires at: 2026-05-10T02:03:43.684Z
- Recommended action: Download for OpenClaw
## Links
- [Detail page](https://openagent3.xyz/skills/paypilot-agms)
- [Send to Agent page](https://openagent3.xyz/skills/paypilot-agms/agent)
- [JSON manifest](https://openagent3.xyz/skills/paypilot-agms/agent.json)
- [Markdown brief](https://openagent3.xyz/skills/paypilot-agms/agent.md)
- [Download page](https://openagent3.xyz/downloads/paypilot-agms)