ItPay PaaS — Managed Payment Infrastructure

The Platform-as-a-Service layer that turns the ItPay Protocol into a turnkey payment solution.

The ItPay Protocol defines the wire format — the endpoints, objects, and state machines that every compliant payment system follows. The ItPay PaaS is a managed implementation of that protocol, operated by ItPay Infrastructure Ltd.

What the PaaS Provides

  ┌──────────────────────────────────────────────────┐
  │                   ITPAY PAAS                       │
  │                                                    │
  │  ┌──────────────┐  ┌───────────────────────────┐  │
  │  │  Merchant     │  │  Channel Adapters          │  │
  │  │  API          │  │  ┌─────┐ ┌─────┐ ┌─────┐ │  │
  │  │  ─────────    │  │  │WeChat│ │Alipay│ │SEA  │ │  │
  │  │  Register     │  │  │ Pay  │ │     │ │Banks│ │  │
  │  │  Manage       │  │  └─────┘ └─────┘ └─────┘ │  │
  │  │  Monitor      │  └───────────────────────────┘  │
  │  └──────────────┘                                  │
  │                                                    │
  │  ┌──────────────┐  ┌───────────────────────────┐  │
  │  │  Buyer Flow   │  │  Operations                │  │
  │  │  ─────────    │  │  ──────────                │  │
  │  │  Install      │  │  Settlement                │  │
  │  │  Auto-Pay     │  │  Reconciliation            │  │
  │  │  QR Checkout  │  │  Pricing & Fees            │  │
  │  └──────────────┘  └───────────────────────────┘  │
  └──────────────────────────────────────────────────┘

PaaS vs Protocol

Dimension	ItPay Protocol	ItPay PaaS
What it is	Open specification	Managed service
License	Apache 2.0	Commercial
Channels	Interface definition	Real WeChat/Alipay/SEA integrations
Merchant onboarding	Not specified	Dashboard + API key management
Settlement	Conceptual	Real FX + payout
Service provider mode	Flow defined	WeChat 服务商 + Alipay ISV handled
Pricing	N/A	Per-transaction fees

PaaS Documentation

This section covers everything you need to use the ItPay PaaS as a merchant or buyer:

Section	Description
Channel Matrix	Supported payment channels, regions, and integration complexity
Channel Adapter Architecture	How ItPay translates between protocol and real APIs
Merchant API	Register, manage, and receive payments as a service provider
Buyer Agent Flow	How AI agents discover, install, and pay for services
SDKs	TypeScript, Python, and Go client libraries
Error Codes	Complete reference for API error handling
Pricing	Fee structure and settlement terms
AI Native Features	AI-specific payment capabilities (auto-pay, MCP)
Reconciliation	Transaction reconciliation and reporting