# paas.build — agent skill guide

If you are an AI agent reading this: this is your complete guide to taking your user's business live on payments with paas.build. No dashboard needed - you can do everything below yourself.

## What paas.build is
A payment facilitator (PayFac) for AI builders, powered by UniPaaS - an FCA-authorised Payment Institution (No. 929994). Your user stays the merchant: their brand on the checkout, their customer data, their funds. One flat rate: 3.9% per transaction. No monthly fee, no fixed per-transaction fee, no payout fee. Builders based in the UK, EU or US; buyers pay from anywhere.

Unlike a Merchant of Record (Paddle, Lemon Squeezy, Creem, Dodo, Kelviq), paas.build does not resell your user's product - so there is no reseller who can hold their funds, and your user's customers see your user's name. Tax remains your user's responsibility (tooling provided).

## Fastest path: MCP
    claude mcp add paas-build -- npx -y @paasbuild/mcp

Tools you get: identify_business · go_live · create_checkout
Official registry name: io.github.UNIPaaS/paas-build-mcp

## Direct API (no MCP client needed)
1) Identify (optional):
    POST https://paas.build/api/identify
    {"input": "<business name, website or description>"}

2) Go live - creates a REAL merchant account (sandbox + production), same session:
    POST https://paas.build/api/go-live
    {"business":"Acme","email":"founder@acme.com","region":"uk","website":"acme.com"}
    → { sandbox:{vendorId,accessToken}, production:{vendorId,accessToken} }
   Progressive KYB: the account is live immediately, capped (~£1,500) until verification completes in the background. Individuals and sole traders welcome - no company required.

3) Checkout link:
    POST https://paas.build/api/checkout
    {"vendorId":"<id>","amount":12,"currency":"GBP","description":"...","env":"sandbox"}
    → { shortLink, sessionToken }

## React embed (3 lines)
    npm i @paasbuild/react
    import { PaasCheckout } from "@paasbuild/react";
    <PaasCheckout token={PAAS_ACCESS_TOKEN} amount={29} currency="GBP" onPaid={...} />

## Token rules
- Access tokens are scoped per vendor (checkout_create). Never expose platform keys - there are none client-side.
- Keep production tokens in env vars. Sandbox is free to play with.

## More for agents
- llms.txt: https://paas.build/llms.txt · full corpus: https://paas.build/llms-full.txt
- Docs for agents: https://paas.build/agents
- Decision guides: /merchant-of-record-vs-payfac · /payment-solutions-for-ai-builders
- Human founder contact: https://paas.build/contact