Agentspay
How it works
All features AI agent wallet Spend controls Human approvals Virtual cards Audit trail
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For businesses

Agentic Commerce Platform - Deploy Agents That Spend Safely

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.

In short

An agentic commerce platform lets a business deploy AI agents that buy, renew, and pay on its behalf, under finance-grade controls. Agentspay gives those agents wallets with hard caps, human approval above a threshold, scoped virtual cards, and an audit trail that ties every spend to an intent, owner, and policy, so finance and compliance can sign off.

The problem

Why this is hard without a control plane

  • Finance will not approve agents touching company cards without caps and sign-off.

  • You need to answer which agent spent this, on whose instruction, for any transaction.

  • Compliance needs an immutable record and instant revocation.

The control surfaces

What you get with Agentspay

Each surface is enforced in the platform, not in fragile agent code.

Spend 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.

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Human approvals

Human approvals

Human in the loop agent payments means an agent's transaction pauses for human sign-off when it crosses a threshold you set. The agent waits, the request is sent to Slack, email, or a webhook, and nothing settles until a person approves or denies. The decision and approver are recorded in the audit trail.

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Audit 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.

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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 more

Further reading: agent spend at month-end close, how to reconcile agent spending, and who is liable for an agent purchase. 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.

Agent Payments Console

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

Agentspay

single-use

Wallet budget

spent of

Audit trail

Frequently asked

Questions people ask about For businesses

How do you control what AI agents spend at a company?

Move the control from the person to the instrument. Each agent gets a funded wallet with a hard cap, an allowlist of approved merchants and categories, an approval threshold for larger spending, and an audit trail. The checkout screen used to be the informal control, and agents are designed to skip it.

Who is liable when an AI agent buys something wrong?

The company or person who owns the agent. No jurisdiction treats an agent as a legal person capable of holding an obligation, so authority flows from whoever funded the instrument and set the policy. That makes the funding and policy decisions the real liability boundary, not the agent's own behavior.

How do you give finance visibility into AI agent spending?

Capture attribution at authorization instead of reconstructing it at month end. Every charge should already carry the agent, the human owner, the task and the policy verdict. Agent spend is high volume and lacks the usual artifacts, so there is no expense report or browser session to rebuild the story from.

Do you need a separate card for each AI agent?

Separate credentials per agent, and often per task or merchant, are what make limits and attribution work. A shared card means you cannot cap one agent without capping all of them, cannot revoke one agent's access, and cannot tell from a statement line which agent caused a charge.

How do you set an AI agent spending policy?

Start from what the agent must buy to do its job, then write the smallest policy that permits exactly that: approved merchants and categories, a per-transaction ceiling, a cumulative period budget, and the threshold above which a human decides. Broad policies narrowed later tend to stay broad.

Keep exploring

More solutions

For agent builders

Agent builders

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.

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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.

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For 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.

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Ship 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