For agent builders
AI Agent Checkout - Let Your Agent Pay in a Few Lines
You are building the agent. We are the safe way for it to pay. Drop in a wallet, a policy, and a scoped virtual card without building a money-control stack yourself.
In short
AI agent checkout is how an autonomous agent completes a purchase: it requests a payment, a control plane checks it against policy, and an approved spend gets a scoped virtual card. With Agentspay, developers add agent checkout in a few API calls, with SDKs for the frameworks they already use, instead of building budgets, approvals, and card issuing from scratch.
The problem
Why this is hard without a control plane
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You do not want to hand a non-deterministic agent a raw credit card.
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Building budgets, approvals, and card issuing yourself is months of work and PCI risk.
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You need an audit trail before anyone will let your agent touch money.
The control surfaces
What you get with Agentspay
Each surface is enforced in the platform, not in fragile agent code.
AI agent wallet
Agent wallet
An AI agent wallet is a funded, budgeted account that belongs to a single agent. You top it up to a set amount, attach spend limits and rules, and the agent draws from it. Because the wallet is capped and policy-gated, the agent cannot exceed its budget or spend outside the rules you wrote.
Learn moreSpend controls
Spend controls
AI agent spend controls are rules that limit what an agent can buy: per-transaction, daily, and total caps, merchant and category allowlists, and velocity limits. Agentspay evaluates them at the API boundary, so a hallucinating or compromised agent is declined before it can overspend, not flagged after.
Learn moreVirtual cards
Virtual cards
Virtual cards for AI agents are programmatically issued card credentials that are scoped to a single merchant, amount, and time window. The agent uses a tokenized, masked reference and never sees a raw card number, which keeps you out of PCI scope. You issue and revoke them through a virtual cards API.
Learn moreAudit trail
Audit trail
An audit trail for AI agent spending is an immutable, append-only record of every payment an agent made. Each row links the spend to the intent that triggered it, the agent that requested it, the human who owns the agent, the policy verdict, and the approver. It gives you cost attribution, reconciliation, and a record you can defend.
Learn moreFurther reading: how to give an agent a virtual card, how to set spend limits on an AI agent, and what agent payment infrastructure costs. Or see what it costs on the pricing page.
See policy decide
Watch a transaction run the gauntlet
Pick a scenario and watch policy auto-approve the routine spend or hold the big one for a human, then write the audit row.
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
Frequently asked
Questions people ask about For agent builders
How do you add payments to an AI agent?
Give the agent a wallet, attach a spend policy, and issue a scoped card or token at the moment it needs to pay. The part worth not building yourself is the control plane between the agent and the rail: budgets, approvals, card issuing and audit are months of work plus compliance exposure.
Should you give an AI agent a real credit card?
Not a shared one. Give it a scoped virtual card issued per task or per merchant, with a cap and an expiry. Non-deterministic software holding a reusable credential with your full credit line is the failure mode every agent payment incident starts from, and scoping is what limits the damage.
How do you set spend limits on an agent you built?
Enforce them at authorization rather than in the agent's own code or prompt. Limits inside the agent are limits the agent can be argued out of, and they disappear the moment a model update changes behavior. A declined authorization is the only limit that holds regardless of what the model does.
What do you need before letting an agent touch money in production?
In practice, four things: a funded wallet with a hard cap, a merchant or category allowlist, an approval path for anything above a threshold, and an audit trail tying every authorization to the agent, its owner and the task. Most teams find the audit trail is what security and finance actually block on.
How long does it take to add agent payments?
Days when you integrate a control plane, months when you build it. The build path means issuing infrastructure, policy evaluation, approval workflows, an audit store and the compliance work around holding funds. The integration path is API calls plus deciding your policy, which is the part only you can do.
Keep exploring
More solutions
For AI platforms
AI platforms
Give every agent on your platform a safe way to pay, without becoming a payments company. Embed wallets, policy, cards, and audit, and keep your own rail and issuer.
ExploreFor businesses
Businesses
Put agents to work on procurement, subscriptions, and ad spend without losing control of the budget. Caps, approvals, and audit your finance team will actually approve.
ExploreFor agents that earn
Agents that get paid
Some agents earn. An agent that sells a service, runs a paid API, or settles with another agent can receive payouts into its wallet, with the same policy and audit.
ExploreShip agents that spend safely
Create a wallet, write a policy, and issue a scoped virtual card in an afternoon. Sandbox-first and rail-neutral.
Never moves money without policy