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Shield

Illustration: a machined metal shield with a glass front, lit like a product photo. Streaks of light, standing for payments, slide past it; a few orange ones hit its edge and stop. As you scroll, the shield separates into three layers labelled Protect, Get Paid and Resolve, then locks back together.

Payments that
protect you.

Shield is an AI trust layer on PayPal. It stops scams before you pay, gets freelancers paid without the awkward chasing, and gives you support that actually fixes things.

The problem

Your money frozen, and nobody can tell you why.

Chasing a client for the third time this month.

A call from the ‘tax office’ that sounds real enough.

From what people describe on Reddit, Trustpilot and the PayPal Community.

What Shield does

Three jobs, one set of rules underneath. Each card below is the real interface, with the demo's data.

Every tool

How it works

Three people from the demo, three short stories.

  1. Meera

    An invoice that chases itself

    Meera bills a client in New York. She doesn't send a single follow-up herself.

    1. Step 1: Meera sends one invoice
    2. Step 2: The agent nudges politely at day 1, 7 and 14
    3. Step 3: The client pays half now with Pay Later

  2. Arjun

    A camera, paid through Vault

    Arjun buys a used camera from a stranger. The seller sees the money is real; Arjun knows it won't move until the parcel does.

    1. Step 1: Arjun pays through Vault
    2. Step 2: PayPal holds the money
    3. Step 3: Tracking says delivered
    4. Step 4: The money is released to the seller

  3. Ravi

    The ‘tax office’ call

    A caller tells Ravi he'll be arrested unless he pays today. He tries to.

    1. Step 1: Ravi tries to pay INR 45,000
    2. Step 2: Shield holds it and tells him why
    3. Step 3: Meera gets an alert and taps Block

How decisions are made

One set of guardrails

The AI can suggest anything. Only the policy engine decides what actually happens.

  1. The AI proposes an action.
  2. The policy engine checks it.
  3. It then runs automatically if it is read-only, asks you first, or waits for a specialist.
  4. Only then does PayPal execute it.

Every action that moves money goes through the same rules, whether it's Guardian, Vault, collections or support.

Built on PayPal

Payments run on PayPal's own APIs, in the sandbox for this demo. The AI layer sits on top and never moves money by itself.

  • Orders API
  • Authorize & Capture
  • Refunds
  • Invoicing v2
  • Disputes
  • Webhooks
  • JavaScript SDK
  • Pay Later
  • Scam detection
  • Multilingual voice
  • Case summaries
  • Hold explainer
  • Collections tone
  • Policy engine

Try it with the demo accounts

Five people, one story. Nothing you do here moves real money.

Open Shield