Agentic Commerce Control Plane for AI Agent Payments Agent Wallets, Spend Limits, Approvals, Virtual Cards API

Agentic payments is the infrastructure that lets autonomous AI agents pay and get paid safely, under rules a human set. Instead of handing an agent a raw credit card, you give it a wallet with a hard budget, spend limits, merchant allowlists, and approval gates. Every transaction is checked against policy before any money moves, and every event is written to an audit trail. Agentspay is the control plane that does this: agent wallets, spend controls, human-in-the-loop approvals, scoped virtual cards, and a complete record of which agent spent what, on whose instruction, and who approved it.

Yes, when spending is gated by policy and a human stays in the loop. Agentspay never moves money without a rule you wrote. You set hard per-transaction, daily, and total caps, restrict merchants and categories, and require human approval above any threshold you choose. A scoped virtual card is merchant-locked, single-use, and time-bound, so even a compromised or hallucinating agent cannot exceed its scope. You can revoke any card or wallet instantly.

Hard limits enforced at the API boundary, not in fragile app code. Budgets, per-transaction caps, velocity rules, and merchant allowlists are evaluated by Agentspay before a payment is authorized. If an agent tries to spend beyond its scope, the request is declined or escalated to a human. Because the controls live in the platform, a prompt-injected or buggy agent physically cannot move money it was not allowed to move.

Never without policy. Small, in-policy transactions you pre-approved (for example an API charge under your auto-approve threshold) settle automatically. Anything above your threshold, or outside your rules, is held and escalated to a human to approve or deny. You decide where the line is, and you can require sign-off on everything if you want.

Yes. Human-in-the-loop approval is built in. Set a threshold and any spend above it pauses for a one-tap approve or deny, delivered to Slack, email, or a webhook. The agent waits; nothing settles until a person signs off. Approvals are recorded in the audit trail with who approved and when.

No. Agents never see raw card numbers. Agentspay issues scoped virtual cards that are merchant-locked, single-use, and time-bound, and the agent only ever uses a tokenized, masked reference. This keeps you out of PCI scope and means a leaked card is useless beyond the single merchant and window you allowed.

Agentspay is rail-neutral. We sit above the rails as a control plane rather than competing with them, so you can bring your own rail and issuer. We work with the agent-payment standards developers are adopting, including AP2 mandates, ACP checkout, x402, and the Machine Payments Protocol, and we issue virtual cards under the hood. Cards and ACH are first-class; stablecoins are supported, not required.