Get paid.
Faster.
Triceratops is the AI-powered payments platform for small business. Send an invoice, and our agent follows up — the right channel, the right tone, until the money lands. You do the work. We make sure you get paid for it.
$ engineered in Lake Tahoe · built API-first for the agent era
- invoice.sentpay-by-link attached · card + ACH
- paylink.viewedcustomer opened, no payment yet
- agent.followup#1email · friendly · personalized
- agent.followup#2sms · channel switched · tone adjusted
- invoice.paid$4,250.00 settled · card
- review.requestedhappy customer → Google review
Money, handled.
Small businesses run the real economy — and spend their nights chasing the money they've already earned. We're building the financial layer that ends that: payments infrastructure with an AI agent on top, so getting paid becomes something that simply happens.
Built for the money
Not another to-do app with a checkout bolted on. Triceratops starts at the payment and works outward — invoicing, recurring billing, and settlement are the core, not the add-on.
Powered by an agent
Every unpaid invoice gets a relentless, polite, tireless advocate. The agent writes, times, and escalates follow-ups the way your best office manager would — if they never slept.
Designed for the AI era
Machine-readable invoices, structured offers, API-first everything. When your customers' AI assistants start paying bills, businesses on Triceratops will be first in line.
The product
From "job done" to "money in the bank," on autopilot.
Invoices that carry their own checkout
Every invoice ships with a one-tap payment page. Card or bank transfer, any device, no account required. Your customer's fastest path to paying you is the default path.
- Pay-by-link on every invoice and text
- Card + ACH, tokenized at the edge
- Memberships and recurring plans built in
An agent that does the awkward part
Chasing payment is the job everyone hates and no one skips. The Triceratops agent handles it: personalized messages, smart timing, channel switching, and a tone you approve once — firm enough to work, warm enough to keep the customer.
- Escalates politely across email and SMS
- Reads the room — pauses when a customer replies
- Every message reviewable before it sends, if you want
The numbers an owner actually checks
Outstanding, collected, recurring, and the one metric that changes your month: days-to-payment. No accounting degree required — just a clear picture of where your money is and when it lands.
- Live view of every open invoice and its status
- Failed recurring payments caught before they churn
- A review request queued the moment a happy customer pays
Insights
The metric that runs your month, measured.
Your dashboard tracks one number above all: how many days between the work and the money. Then it shows you exactly what closes the gap.
// example data — your dashboard charts your own baseline vs. your first 90 days
- Agent follow-ups do the chasing across email and SMS
- Failed recurring charges recovered before they churn
// example data — real numbers publish with the pilot
Platform
Financial infrastructure, sized for small business.
Enterprise-grade payment rails under an API-first platform — legible to humans, and to the AI agents that will pay on their behalf.
AI collections core
Personalized, escalating follow-ups that get invoices paid without you sending a single awkward reminder. Right channel, right tone, relentless and polite.
Pay-by-link core
One-tap checkout on every invoice. Card or ACH, any device, no login.
Recurring & memberships core
Dues and plans that bill themselves — with saves before a card fails.
Embed payments in your platform partner API
Software companies and platforms: put Triceratops rails under your product.
{
"customer": "cus_summit",
"amount": 425000,
"methods": ["card", "ach"],
"collections": {
"agent": true,
"tone": "friendly"
}
}
// webhook · day 8
{
"event": "invoice.paid",
"days_to_payment": 8
}
Vaulted cards security
Tokenized at the edge. Raw card data never touches your systems, or ours.
Agentic commerce 2027 · roadmap
When customers' AI assistants start paying bills, businesses here are first in line.
Borderless settlement exploring
Stablecoin rails for instant, low-cost settlement — under evaluation as the standards mature.
Integrations quickbooks & xero first
Triceratops sits on top of the way you already bill. Invoice sync lands first with the accounting tools small businesses actually use — then the rest of your stack.
Engineered like infrastructure
Boring where it counts. That's the point.
Payments reward paranoia. Triceratops is built the way money software should be — minimal surface area, maximum audit trail.
// architecture facts, not vanity metrics — we'll publish the real numbers when we have them
Who it's for
If invoices, retainers, or recurring billing are how you get paid, this is for you.
Service & trades
Contractors, trades, and field crews — finish the job, send the invoice, and stop being your own collections department.
Learn more →Agencies & retainers
Agencies, MSPs, and firms on retainer — the work is monthly, the money should be too. Autopay plus follow-up in your voice.
Learn more →Practices & professionals
Firms that bill on trust — get paid with the same professionalism you deliver, without chasing.
Learn more →Commercial services
Janitorial, security, facilities — monthly contracts that shouldn’t take sixty days to pay. The agent works the AP maze.
Learn more →Wholesale & B2B commerce
Distributors and brands on net terms — every trade account tracked, every order a tap from paid.
Learn more →Something else?
If chasing payment is part of your week, this is for you. Tell us how you get paid and we’ll show you the fit.
Talk to us →FAQ
Fair questions, straight answers.
What is Triceratops?
An AI-powered payments platform for small business. It combines invoicing, pay-by-link, recurring billing, and an AI agent that follows up on unpaid invoices — until the money lands.
Can I use it today?
Yes — we're live and onboarding the founding cohort now. Start on the platform, or book a done-for-you 30-day sprint on your aged receivables if you'd rather see proof first. Details on the pricing page.
Will the AI agent annoy my customers?
No — that would defeat the point. You approve the voice once; the agent follows up politely at sensible intervals, pauses the moment a customer replies, and you can review any message before it sends. Firm enough to work, warm enough to keep the customer.
Is my customers' card data safe?
Card details are tokenized at the edge and vaulted with enterprise-grade payment infrastructure. Raw card numbers are never stored on your systems — or ours.
What kinds of businesses is it for?
Any business that gets paid by invoice, retainer, or recurring billing: service businesses and trades, agencies and MSPs, commercial services, wholesale and B2B sellers, and professional practices. If chasing payment is part of your week, this is for you.
What does it cost?
Founding members pay $199/month, locked for life, plus a $499 one-time onboarding. The done-for-you Get-Paid Sprint is $1,999 flat. Full details on the pricing page.
Build log
Watch it get built.
We build in the open. Dated, honest, no vaporware — each entry ships when the work does.
Launched — founding cohort onboarding
Triceratops is live. Founding members are onboarding now — service businesses, agencies, and practices, hands-on with the team. Get-Paid Sprints are booking.
AI collections agent · rolling out to founding members
The follow-up engine — channel selection, tone control, reply-aware pausing, human review on every message — ships to founding members first, hand-in-hand with our team.
Platform architecture locked
API-first core on enterprise payment rails: edge tokenization, vaulted cards, card + ACH on every invoice, machine-readable everything. Agent-era ready by design.
Founding-cohort results publish here
Days-to-payment before and after, collection rates, the real numbers — straight from founding members' dashboards to this page. No rented testimonials.
Start getting paid on time.
Founding-cohort onboarding is open — $199/month locked for life, or a done-for-you 30-day sprint on your aged receivables. A human replies same business day.