Stripe and PayPal Are Now Live: AI Agents for Payment Questions

Stripe and PayPal are now live in AgentTeams. If you've wanted a Stripe AI agent for billing questions, or PayPal AI help with refunds and disputes, connect either tool to your AI employee. It finds what a customer paid and why a card was declined, follows up on failed payments and unpaid invoices, looks after subscriptions, and prepares disputes before the deadline. Every change it makes is checked against your rules first, and it never pays money out.

Below is what it can do in each tool, three setups to start with, and how each connection works. The AI agents for Stripe and AI agents for PayPal pages have the overview, and the Stripe help page and the PayPal help page have every step.

What your AI employee can do in Stripe

• Billing questions. It finds a customer by email or name and reads their payments, invoices and subscriptions: what they paid, why a card was declined, what was refunded, when the period ends. Your team asks in chat, Slack or Microsoft Teams and gets the answer with the link to Stripe.
• Failed payments. When a payment fails, Stripe tells your AI employee, and it checks why and whether Stripe will try again. If only the customer can fix it, like an expired card, it drafts a short note with the link to pay and asks before it goes out. It's on from the first day.
• Refunds and subscriptions. It refunds a payment in full or in part, cancels a subscription at the end of the paid period or right away, pauses collecting payment, or undoes a cancellation. Approval requests name the amount the way you would, like 49.99 EUR.
• Invoices and payment links. It drafts an invoice from a few lines or your catalog's prices, sends it, sends a reminder while it's still open, and voids one sent by mistake. It also creates payment links to send in an email or a chat.
• Disputes. When a customer disputes a payment, it reads the payment, the invoices and what your other tools know about the order, and saves evidence that states only what is documented. Your team gets the amount, how strong the case looks and the deadline, and a person submits it in Stripe.
• Revenue reports. On a schedule it adds up payments, fees, refunds and disputes per currency and posts the totals to your channel with the payouts to your bank.

What your AI employee can do in PayPal

• Payments. It finds a payment by the customer's email, an invoice or order number, or the transaction ID, and explains its status, the fees and what's been refunded. PayPal's search can run up to three hours behind, so it finds a very recent payment by its transaction ID.
• Refunds. It refunds a checkout or subscription payment, in full or in part, with a short note the customer sees in PayPal. PayPal allows refunds for 180 days after a payment, and every refund is checked before the money goes back.
• Disputes. When a customer opens a dispute, it reads the claim and their messages, looks up the payment and the order, and tells your team the facts, the deadline and what it suggests. Once approved, it writes to the customer, makes an offer, gives PayPal proof such as tracking numbers, or accepts the claim.
• Invoices. It drafts invoices with your items, taxes and payment terms, sends them once approved, reminds customers who haven't paid, cancels the ones no longer due, and marks one paid when the money came by bank transfer or in cash.
• Subscriptions. It looks up a subscription, its payments and why the last one failed, and pauses, resumes or cancels it when that's agreed.
• Weekly numbers. On a schedule it reads the week's payments, refunds, fees and disputes and your balance, then posts a short summary to your team's channel.

Three setups to start with

• Billing questions in your support inbox. Connect Stripe and PayPal to the AI employee that works your help desk in Help Scout, Zendesk or Intercom. When a customer asks “why was I charged twice?”, it finds both payments in Stripe, drafts the answer and, if one was a duplicate, prepares the refund for your approval. When someone paid with PayPal but heard nothing, it finds the payment by their email and drafts a reply with the date and the amount for a person to approve.
• Money that didn't come in. A customer's card expired before their monthly renewal. Stripe reports the failed payment, your AI employee drafts a note with the link to pay and asks you before it goes out, and your team learns which customers are close to losing their subscription. For PayPal, give it a Monday task: a reminder for every overdue invoice, once approved, and a list of who still owes in your finance channel.
• Disputes before the deadline. A PayPal buyer says their parcel never arrived. Your AI employee finds the order and its tracking number in your shop, briefs the team on the claim, the records and PayPal's deadline, and once someone approves, gives PayPal the tracking number as proof of shipping. For a Stripe chargeback, your team gets the amount, the reason and the deadline, with the evidence already saved on the dispute.

How the connections work

Stripe connects with a restricted key that someone with the Administrator or Developer role creates for your AI employee in Stripe. When Stripe asks how you'll use it, choose “Authorizing agent access to your account”, so Stripe knows an AI agent holds it. You choose, area by area, what it may see and change, then paste it on the employee's Tools tab. AgentTeams checks it with Stripe and switches on two default reactions: failed payments and disputes.

PayPal connects with an app you create in your own PayPal business account, in the PayPal Developer Dashboard. You switch on the features it needs there (transaction search, invoicing, customer disputes, and subscriptions if you sell them) and paste the app's Client ID and Secret into the employee's Tools tab. It takes about five minutes. PayPal tells the app only about what goes through it, not about payments your shop takes through its own PayPal connection, so add a morning check for new disputes to be sure none waits unseen.

Common questions

• Will it refund a payment on its own? Only if your rules allow it. Every change it wants to make in Stripe or PayPal goes through a review step first, and your company's rules decide which need a person to approve them. In PayPal, refunds and anything that reaches a customer are checked every time. Stripe adds a check of its own for keys made for agents: by default, refunds and cancellations wait in Stripe until a reviewer approves them, and until then your AI employee says the action is waiting, never that it's done. Our guide to AI agent guardrails covers how to set those rules.
• Can it send money to anyone? Only back to a customer who paid you: a refund, or in PayPal a dispute settled in their favor. It never pays anyone out, moves money to other accounts or changes your account's settings, and in Stripe it never charges a card outside an invoice.
• How do we stop it? Disconnect the tool on the employee's Tools tab and it stops working there at once. To end access on the other side too, expire the key in Stripe or delete the app in the PayPal Developer Dashboard.

Where this fits

In the integrations catalog, Stripe and PayPal sit next to Shopify, WooCommerce, QuickBooks and ChartMogul. Payment questions rarely start in Stripe or PayPal, though: they land in your help desk, your inbox or your team chat. Connected to the AI employee that works those channels, Stripe and PayPal let it answer from the source. No such employee yet? Start with how AI customer support agents handle tickets.

Ready to try it? Open your AI employee's Tools tab and connect Stripe, PayPal or both. Each has a sandbox with test data, so you can watch it work before any real money moves.