Comparison
Proxy Alternative: Rail-Neutral Agent Spend Governance
Proxy gives AI agents their own funded cards, accounts and wallets to spend from. Agentspay is the alternative when you would rather keep your existing issuer and treasury and add a governance layer on top, rather than routing agent money through a new payment account.
Pick an agent
Payment intent
intent: ▌
Policy evaluation
Human approval required
This spend is over your approval threshold. Approve it to issue a scoped card, or deny it.
Scoped virtual card issued
Wallet budget
spent of
Audit trail
In short
A Proxy alternative is a tool that governs what your agents spend without requiring you to fund a separate payment account. Proxy issues its own funded cards, accounts and wallets and enforces limits before money moves, with approvals and audit on higher tiers. Agentspay is a rail-neutral control plane that sits in front of the issuer and accounts you already use: it checks every agent request against policy before money moves, pauses above a threshold for human approval, issues scoped virtual cards, and writes an immutable, agent-attributed audit trail, with governance and audit available from the start. Choose Proxy if you want one account that holds and spends agent funds; choose Agentspay if you want to keep your existing rails and add governance and audit on top.
Where Proxy fits
Proxy is a capable, direct competitor and one of the more complete agent payment products on the market. It issues fresh virtual cards in about 50 milliseconds locked to exactly what you approved, enforces spend limits, merchant locks, transfer caps and recipient allowlists before money moves, and supports a wide rail set: cards, Apple Pay, Google Pay, PayPal, ACH and wire on the fiat side, plus USDC, USDT, PYUSD and EURC stablecoins. Approval workflows and audit trails are available on its higher tiers, and its pricing is public: a free tier with a small spend cap, a personal plan at 19.99 dollars a month, a business plan at 199 dollars a month plus usage, and custom enterprise pricing. If you want a single account that both holds and spends agent funds, Proxy does that job well.
Where Agentspay fits
The real difference is architecture, not a feature checklist. Proxy is a payment account: you fund Proxy, and your agents spend from cards, accounts and wallets that Proxy provisions and holds. Agentspay is a control plane that sits in front of the issuer, cards and accounts you already run, so you keep your existing banking and issuing relationships and your treasury stays where it is. Nothing has to move into a new wallet. Governance is the whole product rather than a tier: hard spend limits on amount, counterparty and velocity checked before every transaction, human-in-the-loop approvals routed to Slack, email or a webhook, scoped single-use virtual cards issued by API and revoked instantly, and an immutable audit trail attributed to the agent and its owner, all available from the start rather than gated behind a business or enterprise plan. For a finance team that wants to add agent governance without changing who issues its cards or where its money sits, that rail-neutral, governance-first model is the reason to choose Agentspay.
Side by side
Agentspay compared with Proxy
An honest look at how each one approaches agent payments.
| Dimension | Agentspay | Proxy |
|---|---|---|
| Model | Control plane over the issuer, cards and accounts you already run. | A payment account you fund; it holds and spends agent money for you. |
| Treasury | Stays with your existing bank and issuer; nothing moves to a new wallet. | Funds are held in Proxy cards, accounts and wallets. |
| Spend policy | Hard limits on amount, counterparty and velocity, enforced before money moves. | Spend limits, merchant locks, transfer caps and allowlists, enforced before money moves. |
| Human approval | Threshold approval gates included from the start, routed to Slack, email or a webhook. | Approval workflows available on the business tier and above. |
| Virtual cards | Scoped, single-use, time-bound virtual cards issued by API on your issuer. | Fresh single-use cards issued in about 50ms on Proxy rails. |
| Audit trail | Immutable, agent-attributed audit trail included from the start. | Audit trails and exportable logs on the enterprise tier. |
| Rails | Rail-neutral across your existing fiat cards and accounts; crypto optional. | Cards, wallets, ACH and wire, plus USDC, USDT, PYUSD and EURC. |
Still narrowing the category? Compare all AI agent payment platforms, or see the full picture on how it works and the pricing page.
Background reading: prefunded wallet vs control plane, how to set spend limits on an agent, and the 2026 buyers guide.
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CompareA rail-neutral control plane for agent money
Governance and audit on every transaction, across any rail. Start in the sandbox today.
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