AgentaOS
A 20-year payments engineer's merchant-of-record platform in Tallinn, run alone with AI agents, $9,500 MRR two months after launch
Panche Isajeski, a payments engineer from North Macedonia building in Tallinn since 2024, first built a fix for card payments in the Balkans, which failed for being too early, then pivoted to AgentaOS, a merchant of record that acts as the official seller for freelancers and SaaS founders, handling tax, invoices and chargebacks, and can be set up from Claude, ChatGPT or Cursor. In October 2026 he told Indie Hackers that since an August launch 400+ founders had signed up, 1,400+ payments had been processed and MRR was $9,500, with zero employees and AI agents handling onboarding, support, operations and much of the code.
Ledger card
BSelf-reported- Income
- $9,500
- Media report or relayed statement · MRR · monthly · 2026-10
- Status
- Active
- Rechecked 2026-10-21
Grade B · Self-reported: The founder's own public statement or a media report, with source and date; no platform data to check it against.
Source: Indie Hackers: Starting from scratch and hitting $9.5k MRR in two months · checked 2026-10-21 · next recheck 2027-01
Tags
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- Business model
- How AI is used
- Founder and team
- Technical barrier
- Revenue and stage
Ledger summary
AI-assisted draft · facts checked by an editorAgentaOS is a merchant of record: freelancers, agencies and SaaS companies can charge customers in 190+ countries by card or monthly subscription without forming a company, while the platform acts as the official seller and handles tax, invoices and chargebacks, including in countries Stripe does not serve. Its twist is AI agents: setup runs through Claude Code, Cursor, ChatGPT or any agent via an MCP server and a skill file, so an agent can create products, checkouts and subscriptions directly; the site calls this "Claude for billing", with a roadmap of letting a user's agents sell on their behalf. Founder Panche Isajeski is a payments engineer with 20 years' experience who grew up in North Macedonia and has built in Tallinn since 2024; the company is Aristokrates OÜ, and this is his third startup.
In an October 2026 Indie Hackers case study he said his first product fixed card payments in the Balkans but the market was not ready and it failed; after pivoting twice he launched AgentaOS in August, and by October 400+ SaaS founders had signed up, 1,400+ live payments had been processed and MRR was $9,500, with zero employees, "just me and a team of AI agents" handling onboarding, support, operations and much of the code. The site's October 2026 statistics match. This is founder self-report, graded B. Fees: 4.5% plus 0.50 euros per card sale, 1.5% on bank transfers, no monthly fee, a Pro plan at 49 euros a month with lower rates, 1% per payout.
Decision notes
AI-assisted analysis · based only on this case's verified facts- 1. What problem it solves
- Freelancers and small SaaS teams struggle to take global payments and handle tax, invoices and chargebacks without their own company
- 2. Who the customers are
- Freelancers, agencies and SaaS founders; 400+ signed up by his account
- 3. Why customers pay
- The platform acts as merchant of record, carrying tax and chargebacks, and products and checkouts can be created from agents such as Claude or Cursor; per-transaction fees, no monthly fee
- 4. Business model
- Subscription · Usage-based
- 5. What AI does in delivery
- AI-native · AI automation · AI agents · Built with AI coding · A team of AI agents (not named)
- 6. What public data proves
- $9,500 · MRR · monthly · 2026-10 · Media report or relayed statement
- 7. Limits of the income data
- Grade B · Self-reported; The founder's own public statement or a media report, with source and date; no platform data to check it against; Third-party estimates, user counts, funding and price quotes are never recorded as income
- 8. What indie developers or small teams can take from it
- The first attempt was too early and failed; two pivots found the right problem, and one person with AI agents can carry a payments business through its early stage · replicability score 1/5
- 9. Biggest cost, acquisition barrier or limit on copying it
- A merchant of record carries tax compliance and chargeback liability across many jurisdictions; whether one person can sustain that is untested; Coding: High · Startup money: Medium · Finding customers: Medium · On camera: Not needed
Rows 1–3, 8 and 9 are distilled by an editor from the facts recorded for this case and are not the founder's words; rows 4–7 are generated from the case fields.
Timeline
- 2024Moves to Tallinn; a first fix for Balkan payment problems fails for being too early
- 2026-08AgentaOS launches
- 2026-10Says 400+ founders, 1,400+ payments, $9,500 MRRgrade B
How it was done
- Pivoting to the right problem: from "payments" to "helping founders get paid", with a free pricing-intelligence audit.
- A hybrid model, a section in the case study; the site offers self-serve and hands-on onboarding.
- Content and conversations: a commenter quotes the article saying nothing was spent on ads, SEO or paid marketing, plus white-glove onboarding.
- AI agents instead of staff for onboarding, support, operations and code.
AI tools used
| Step | Tool |
|---|---|
| Onboarding, support, operations and most of the code | A team of AI agents (not named) |
Failures and risks
- A merchant of record carries compliance and chargeback liability across 135+ tax jurisdictions; whether one person plus agents can sustain that is untested.
- The first attempt burned money and taught him to validate before building.
- Two months in, the numbers are fresh; revenue is self-reported and unverified.
Can it be copied?
1/ 5
Editor's score out of 5, based on barriers, cost and how hard customers are to find.
Sources and evidence
- Indie Hackers: Starting from scratch and hitting $9.5k MRR in two months · Media or third party · English · published 2026-10-06 · checked 2026-10-21
- AgentaOS official site (fees, company, stats) · Founder · English · checked 2026-10-21
Verification notes (links, dates viewed and excerpts of at most two sentences) are kept internally and never republished. Pages cite only facts and quotes of at most two sentences, always linked; data a platform's terms forbid reusing is never used as a source.
Rechecks
| Date | Status | Evidence grade |
|---|---|---|
| 2026-10-21 | Active | BSelf-reported |