# Parrot Payments (llms.txt)
> The ultra-low fee (0.05%), non-custodial Solana USDC payment gateway designed for both Humans and Autonomous AI Agents.

Parrot Payments enables software businesses and developers to accept USDC on Solana directly into their self-custodial wallets with 400ms finality, atomic fee splits, zero chargebacks, and no minimum base fees ($0.05% vs Stripe's 2.9% + $0.50).

## Why Parrot Matters for AI Agents & Modern SaaS
- **No 3D Secure / OTP / CAPTCHAs:** Traditional payment gateways (Stripe, Dodo, Razorpay) require human interaction (SMS OTP, banking app biometric approvals, CAPTCHA). Parrot enables machine-to-machine, autonomous wallet signing.
- **Micro-transaction Viable:** 0.05% flat fee with no $0.30–$0.50 fixed penalty. A $0.10 agent API query pays $0.00005 fee instead of losing 300% on credit cards.
- **Dual Flow:** Single gateway. Humans pay via hosted checkout (/checkout/:id) with Phantom/Solflare; AI agents pay headlessly via atomic Solana transactions (/api/checkout/:id) or HTTP 402 protocols.
- **Non-Custodial:** Funds flow directly from payer to merchant wallet. Parrot never holds merchant funds or private keys.

## Quick Links
- [Docs](https://parrotpay.com/docs): Full developer documentation and 5-minute integration guide.
- [Agent Payments](https://parrotpay.com/agents): How autonomous agents pay using Solana Keypairs and HTTP 402.
- [Pricing](https://parrotpay.com/pricing): 0.05% transparent flat fee comparison against Stripe and Lemon Squeezy.
- [Full LLM Specification](https://parrotpay.com/llms-full.txt): Complete API endpoints, schemas, transaction layout, and code examples.

## 8-Line Merchant Integration (Node / TypeScript)
```typescript
import { Parrot } from '@parrotpay/sdk';

const parrot = new Parrot(process.env.PARROT_SECRET_KEY!);

// Create payment session (works for both Humans and AI Agents)
const payment = await parrot.payments.create({
  amount: 0.10, // 10 cents USDC (converted to 100,000 raw units)
  customer: 'agent_worker_01',
  success_url: 'https://mysaas.com/success'
}, { idempotencyKey: 'order_123' });

// Humans: redirect to payment.checkout_url
// Agents: return payment.id or emit HTTP 402
```

## AI Agent Autonomous Payment (Node / TypeScript)
```typescript
import { Keypair, Transaction, Connection } from '@solana/web3.js';

// 1. Request unsigned atomic transaction from Parrot
const res = await fetch(`https://parrotpay.com/api/checkout/${paymentId}`, {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({ action: 'build', account: agentKeypair.publicKey.toBase58() })
});
const { transaction: txBase64 } = await res.json();

// 2. Deserialize, sign with agent's local keypair, and broadcast
const connection = new Connection('https://api.mainnet-beta.solana.com', 'confirmed');
const tx = Transaction.from(Buffer.from(txBase64, 'base64'));
tx.partialSign(agentKeypair);
const sig = await connection.sendRawTransaction(tx.serialize());

// 3. Confirm receipt
await fetch(`https://parrotpay.com/api/checkout/${paymentId}`, {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({ action: 'confirm', signature: sig })
});
```

## Token & Chain Details
- **Blockchain:** Solana (Mainnet & Devnet)
- **Token:** USDC (SPL Token, 6 Decimals)
- **Mainnet USDC Mint:** `EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v`
- **Devnet USDC Mint:** `4zMMC9srt5Ri5X14GAgXhaHii3GnPAEERYPJgZJDncDU`
- **Platform Fee:** 0.05% (5 basis points) taken atomically in-transaction.