Retailgentic

In this episode of Retailgentic, host Scot Wingo sits down with Johnathan McGowan, co-founder & CEO of PayOS, to discuss how AI agents will handle payments safely and compliantly.

From Visa and Mastercard partnerships to the first live Agentic token transaction, Johnathan explains how “day-one-ready” infrastructure will power the future of Agentic Commerce.

Timestamps:
01:56 — Meet Johnathan McGowan, co-founder of PayOS
04:00 — From Visa to PayOS: the founding story
06:40 — What Agentic Payments really mean
08:10 — Partnering with Visa & Mastercard
10:25 — “Day-one-ready” vs new payment rails
12:50 — What PayOS actually does
15:30 — Agent builders and early use cases
18:40 — Understanding “intent” in payments
21:50 — Future-proofing across protocols (AP2, ACP, etc.)
24:55 — How the first live Agentic transaction worked
29:50 — Why PCI compliance & trust matter
36:00 — The global scale of Agentic Commerce

As AI agents start making real-world transactions, companies like PayOS are making sure those payments are not just possible, but trusted, secure, and global from day one.

👉 Connect with John: https://www.linkedin.com/in/johnathanm/
👉 Learn more about the PayOS: https://www.linkedin.com/company/payos/

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Creators and Guests

Host
Scot Wingo
CEO and Co-founder, ReFiBuy.ai
JM
Guest
Johnathan McGowan

What is Retailgentic?

Exploring the intersection of retail, ecommerce and agentic systems.