Use case
AI Agent Refunds - Issue Refunds and Credits Within Limits
A support agent that can refund a customer resolves tickets faster, but an agent with an open refund button is a liability. Cap each refund, cap the day, and make anything large wait for a person.
In short
AI agent refunds are payouts a customer-support agent issues to resolve a complaint, such as a refund or a goodwill credit. Agentspay enforces a per-refund cap, a daily and total ceiling, and a merchant or account allowlist, so an agent cannot over-refund, refund the same order twice, or send money to an account you did not approve. Refunds above your threshold pause for human sign-off, and every payout is attributed to the agent, the ticket, and the policy that allowed it in an immutable audit trail.
The challenge
A support agent that can issue refunds without limits can be talked into over-refunding by a persuasive customer or a prompt injection, and each mistaken payout is real money already gone.
How Agentspay handles it
Agentspay wraps the refund action in policy: a hard per-refund cap, a daily and total limit, and velocity rules that stop a loop from firing dozens of refunds in a row. Anything above the threshold you set, or an unusual pattern, routes to a human for a one-tap approve or deny before the payout settles. Every refund is recorded against the agent, the customer ticket, the amount, and the approver, so finance can reconcile payouts and spot abuse quickly.
Further reading: stopping prompt injection from draining a budget, human in the loop payments, and the Stripe MCP server guide.
The control surfaces
The controls behind it
The surfaces this use case leans on, each enforced before any money moves.
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.
Learn moreHuman 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.
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 moreAI 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 moreSee the whole flow in how it works, or check what it costs on the pricing page.
Keep exploring
More agent payment use cases
Shopping agents
Shopping agents
A shopping agent that compares options and checks out is only useful if it cannot overspend. Give it a funded wallet, merchant allowlists, and a scoped card per purchase.
ExploreProcurement agents
Procurement agents
A procurement agent that sources vendors and places orders has to answer to finance. Wrap it in caps, vendor allowlists, and approval gates before it spends a dollar.
ExploreSaaS buying agents
SaaS buying agents
An agent that trials, buys, and renews SaaS can quietly stack up subscriptions. Give each tool a scoped, revocable card and a spend cap you control.
ExploreAPI billing agents
API billing agents
When an agent pays per API call, a loop is a bill. Cap the spend, throttle the velocity, and attribute every dollar to the provider it paid.
ExploreAgent-to-agent
Agent-to-agent payments
Agents are starting to hire other agents. When one agent pays another, you need identity, limits, and a record on both sides of the transaction.
ExploreTravel agents
Travel booking agents
A travel agent that books flights, hotels, and cars touches high-value, irreversible charges. Cap the trip, lock the suppliers, and require sign-off on the expensive legs.
ExploreAd spend agents
Ad spend agents
An agent that manages ad budgets can scale spend faster than a human can watch. Put daily and total caps on it, one card per platform, and sign-off on budget jumps.
ExploreCloud cost agents
Cloud cost agents
An agent that provisions compute can spin up expensive resources in seconds. Cap the spend, throttle how fast it grows, and require sign-off before it scales up.
ExploreBill pay agents
Bill pay agents
An agent that pays recurring bills saves your team a chore, but only if it cannot pay the wrong invoice, the wrong amount, or the same bill twice. Give it a capped wallet, a vendor allowlist, and sign-off on anything unusual.
ExploreLet this agent spend safely
Fund a capped wallet, write a policy, and issue a scoped virtual card today. Sandbox-first and rail-neutral.
Never moves money without policy