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ripper is an AI-first autonomous payment processor that replaces traditional human operations teams with specialised AI agents. Instead of dashboards, forms, and manual oversight, merchants describe what they're building and ripper handles the rest — onboarding, disputes, verification, compliance, fraud detection, and portfolio monitoring —
through conversational interfaces.
Built for developers and AI-native builders, ripper's system communicates through messaging platforms, chat, and proactive notifications rather than traditional payment processor UIs. Eight specialised agents work autonomously across the payments stack, each handling a distinct operational domain. Merchants interact with one unified voice, not a collection of tools.
ripper operates as a licensed Payment Facilitator, issuing sub-merchant MIDs while using acquirers as commodity infrastructure underneath. The platform is designed for "vibe coders" — developers building with AI tools who want frictionless payment integration and autonomous management without needing to understand traditional payments infrastructure.
Founded in London in 2025.
ripper.dev
