PayAgent AI is an autonomous, mobile-first Agentic Commerce and Escrow assistant built for the PayPal AI Hackathon. Powered by Google Gemini 2.5 Flash and PayPal Sandbox REST APIs (@paypal/agent-toolkit), it allows merchants and freelancers to create milestone invoices, stage product checkouts, and automate customer refunds using natural language. Instead of plain text responses, PayAgent AI renders interactive Generative UI receipt cards with instant scannable payment QR codes directly inside the chat stream. To ensure financial safety, it enforces strict Human-in-the-Loop (HITL) guardrails—auto-executing low-risk queries and micro-refunds under $25 while requiring one-tap approval before capturing funds or issuing larger refunds—and automatically syncs every transaction into a real-time AG Grid merchant ledger.