Paysera launches personal access tokens for AI payment drafts

Paysera has added a feature that lets customers create personal access tokens. Those tokens allow AI assistants or accounting software to read invoices and prepare transfer drafts in the customer’s Paysera account.

Customers create a token by logging into bank.paysera.com, opening Security settings and selecting Personal Access Tokens. The option is available only in a browser at present, not in the mobile app. Creation takes a few minutes, carries no fee and requires no separate agreement.

When creating a token, users choose which accounts the token can access and set permissions, limits and an expiry date. Tokens can be changed or revoked at any time from the same settings page.

Connected software can extract the payee, amount and payment purpose from an invoice and place a payment draft in the customer’s Paysera account. No funds move until the customer opens the Paysera Super App and authorizes the draft with two-factor authentication.

If customers grant additional permissions, connected software can also read account statements, check when and to whom payments were made, categorise expenses and prepare recurring payment drafts.

Paysera offers a free, open-source Payments skill that can be added to AI assistants such as Claude or Codex and linked with a personal access token. Businesses and developers can connect systems directly through the public Paysera Transfer API.

The rollout comes against the backdrop of EU payment rules under PSD2, which generally restrict payment initiation to licensed providers holding specific certificates. Direct self-service access to accounts has been limited in many EU markets.

Paysera says the token keeps control with the client: access limits are set by the user and two-factor confirmation is required for every payment. The company plans to add optional exceptions later, including streamlined flows for trusted payees and some business customers.

The feature targets small and medium-sized businesses, accountants, freelancers and private customers. In firms that pay many supplier invoices each month, software can prepare drafts for review and confirmation. Private customers can forward a utility bill to an assistant and then approve the prepared payment on their phone.

Paysera CEO Justina Šidlauskienė commented: “Artificial intelligence already writes emails and reports, but nobody has let it near money – and rightly so. We decided that the right answer is not to ban it, but to draw a strict line: the software prepares, the human confirms. The token draws that line technically, not by a promise. And it matters to us that this is available not only to large companies with their own IT departments.”