Basis Theory
A payments and tokenization platform for agentic commerce. It lets AI agents pay through secure, revocable tokens instead of raw card numbers, keeping flows PCI-compliant. Basis Theory convened the Agentic Commerce Consortium (with Lithic, Crossmint, Skyfire, Rye and others) to publish security standards. $33M Series B.
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Our take
A payments and tokenization layer for agentic commerce. It lets AI agents transact through secure, revocable payment tokens rather than raw card numbers, keeping flows PCI-compliant. The company convened the Agentic Commerce Consortium with Lithic, Crossmint, Skyfire and Rye to set shared security standards. $33M Series B.
Best for
Merchants and platforms that need agents to pay securely without handling raw card data.
Pros
- Tokenized, PCI-compliant agent payments
- Revocable, scoped payment tokens
- Convenes a multi-party standards consortium
- Established tokenization foundation
Cons
- Infrastructure, not an end-user app
- Developer integration required
- Standards still settling
How it compares
Alongside cataloged rails like the Stripe and PayPal agent toolkits, Basis Theory plays a neutral tokenization and standards role across providers.
Full review
Basis Theory is a payments and tokenization platform positioned for agentic commerce, where autonomous agents carry out the full purchase lifecycle. It lets agents transact through secure, revocable payment tokens instead of raw card numbers, keeping flows PCI-compliant and safe to automate.
The company convened the Agentic Commerce Consortium with Lithic, Crossmint, Skyfire, Rye, Channel3 and others to publish shared security standards for the agent-payments layer. It raised a $33M Series B led by Costanoa Ventures, building on an established tokenization business.
Cloudkart Trust Graph
3.6/5- Actual Utility4/5
Source: Initial LLM-authored rubric (backfill)
- Ease of Use3/5
Source: Initial LLM-authored rubric (backfill)
- Pricing Fairness3/5
Source: Initial LLM-authored rubric (backfill)
- Reliability4/5
Source: Initial LLM-authored rubric (backfill)
- Differentiation4/5
Source: Initial LLM-authored rubric (backfill)
Scored as of . Each score is versioned and auditable; vendors cannot buy it.
How this score is set
- Editorial rubric
- Primary signal — five dimensions, 3.6/5 average.
- Community reviews
- None yet.
- Pricing verified
- Not yet verified
- Independence
- Score set by our editorial team before any affiliate relationship is considered. No vendor can buy it.
Frequently asked questions
- Is Basis Theory free, and how much does it cost?
- Basis Theory is a paid tool.
- Who is Basis Theory best for?
- Merchants and platforms that need agents to pay securely without handling raw card data.
- How is Basis Theory rated on Cloudkart.ai?
- Basis Theory scores 3.6 out of 5 on the Cloudkart.ai rubric, which weighs actual utility, ease of use, pricing fairness, reliability and differentiation. Scores are set editorially and can never be bought.
Community reviews
No community reviews yet. Be the first to share how Basis Theory works for you.
Relevant tools
More tools in Agentic Commerce.
Stripe Agentic Commerce
Stripe's agentic-commerce toolkit — Shared Payment Tokens and Order Intents, plus co-authorship of the open Agentic Commerce Protocol (ACP).
Stripe Agent Toolkit
An open-source library from Stripe that lets AI agents securely use Stripe APIs - create payment links, manage products and prices, send invoices - with developer-defined permissions for each action. Works with the OpenAI Agents SDK, Vercel AI SDK, LangChain and CrewAI in Python and TypeScript. Free toolkit; standard Stripe fees apply to transactions.
Phia
Phia is a shopping app and browser extension that checks whether a price is fair and finds cheaper alternatives, including secondhand. It draws on a database of about 250 million resale listings across 40,000+ sites, tells you if an item is high, fair or typical, and surfaces identical or similar options for less. Co-founded by Sophia Kianni and Phoebe Gates, it raised a $35M Series A in 2026 at a $185M valuation.
Rep AI
Behavioral AI sales agent for Shopify that engages shoppers, recommends products and drives checkout — trained on 160M+ shopper sessions.
Compare Basis Theory head-to-head: vs Stripe Agentic Commerce · vs Stripe Agent Toolkit · vs Phia · vs Rep AI