Fragmented
Food on one app, groceries on another, electronics on a third. Every basket starts from zero.
Agentic payments, built for the UAE
Say it.Ayo does it.
Ayo is the agentic payment platform for everything you order. Tell it what you want in one message. It searches the merchants you already use, builds one basket, pays with a mandated single use card and follows the order to your door.
- Your card never leaves the vault
- You approve every order
- English and Arabic
Ayo is online
live demoBuilt to order across the apps you already use
TalabatDeliveroonoonAmazon.aeCareemTalabat MartInstaShopKibsonsCarrefourLuluNamshiSharaf DG
Target integrations. Names shown indicate category coverage, not existing commercial agreements.
The problem
Buying anything takes too many apps.
One evening. Dinner, a forgotten charger, milk for the morning. That is three apps, three baskets, three checkouts, and nobody comparing anything.
Repetitive
Search, compare, cart, address, card, one time passcode. Then do the whole thing again tomorrow.
Price blind
The same product sits at three prices across three apps and nobody has the patience to check.
Forgetful
Your allergies, brands, sizes and usual order live in your head, not in any of the apps.
How it works
Five steps. One of them is yours.
Ayo does the searching, the comparing, the checking out and the chasing. You do the approving.
01
Say it
One sentence, in English or Arabic, the way you would say it to a friend. No forms, no filters.
02
Ayo plans
It reads live menus, stock, prices and delivery windows across connected merchants, then weighs them against your history.
03
You approve
One summary, one tap. Your spending caps, blocked categories and merchant allow list are already applied.
04
Ayo pays
A single use credential is minted for that exact order and dies at settlement. Your real card never leaves the vault.
05
Ayo follows through
Live tracking, substitution approvals, refunds and a clean receipt, all back in the same conversation.
“Order dinner for four from a good Lebanese place, under 250 dirhams.”
Paid, tracked, delivered.
What you can ask
One chat. Everything you order.
Ayo is not a food app with a chatbot bolted on. It is one agent with a memory, working across every merchant you use.
“Something light for two tonight, no dairy, here before nine.”
Compares three kitchens, checks the allergen list, orders the one that arrives first.
“Same groceries as last week, but skip the crisps and add more fruit.”
Rebuilds the basket from memory, splits it across the two cheapest stores, books one slot.
“My kettle died. Get a decent one under 200 dirhams, tomorrow.”
Ranks by rating and delivery date across marketplaces, buys, tracks, files the warranty.
“Twelve people on Friday. Mezze, drinks, ice, and something for the kids.”
Plans quantities, spreads the order across a restaurant and a grocer, times both arrivals.
“Watch the coffee I buy and reorder when it drops under 60 dirhams.”
Monitors price across merchants, buys inside your cap, tells you what it saved.
“Pharmacy run: the usual prescription, plus sunscreen and plasters.”
Finds a pharmacy that stocks all three, confirms substitutions with you, pays once.
Trust and safety
Nobody hands a bot their card.
So Ayo never asks for it.
An agent that spends money has to be provably safe before it is convenient. Ayo is built mandate first, not prompt first.
Signed mandates
Every purchase runs against a mandate you signed: merchant, category, amount and time window. Step outside it and Ayo stops and asks.
Single use credentials
A tokenised number is minted per order and dies at settlement. Your real card sits in a PCI scoped vault that Ayo cannot read.
Human in the loop
Ayo proposes, you approve. Hands off execution happens only inside the limits you set yourself, and never for a new merchant.
Replayable audit trail
Every prompt, price, comparison, substitution and charge is logged and exportable. Disputes are backed by evidence, not memory.
Licensed rails
Acquiring and settlement run through a regulated UAE partner, built to Central Bank of the UAE payment and data rules.
Standards ready
Designed against AP2, ACP and the card network agent token schemes, so Ayo plugs into agent checkout as merchants adopt it.
Merchants
Ayo meets merchants where they are.
Four integration modes mean coverage never waits on business development. Depth improves as partnerships land.
Food and restaurants
- Talabat
- Deliveroo
- Careem Food
- Zomato
Quick commerce and grocery
- Talabat Mart
- InstaShop
- Kibsons
- Carrefour
- Lulu
Retail and marketplaces
- noon
- Amazon.ae
- Namshi
- Sharaf DG
Everyday services
- Careem
- Pharmacy
- Laundry
- Mobile top up
Partner API
Direct catalogue and checkout with the merchant.
Affiliate network
Revenue share coverage from day one.
Agent checkout
AP2 and ACP endpoints as merchants adopt them.
Assisted flow
Ayo prepares the order, you confirm in the app.
Target integrations. Named merchants indicate category coverage, not existing commercial agreements.
Questions
The things people ask before they trust it.
It is a platform where an AI agent completes a purchase on your behalf. You describe the outcome you want, the agent plans the order across merchants, and payment is made with a credential scoped to that one purchase under rules you signed in advance. You stay in control of the decision, the agent does the work.
Dubai first, by invitation
Stop tapping. Start telling.
We are opening Ayo to a small group of households in Dubai, starting with food and quick commerce. Leave your email and we will get in touch when a slot opens near you.
No spam, no reselling your address. Prefer to write to us directly? support@ayo.ae