For AI agents & devs
Let your agent pay.
AgentPay enables your AI agents to buy & pay online through one API, batteries included: wallet, cards, logins, 3DS, checkout.
Works at 100M+ merchants on Visa and Mastercard
The problem
Would you hand your card to an AI agent you met last week?
Your personal card, the one linked to your bank account. Instinct, Muse and Grokbot ask you to do just that, or to link it through Stripe Link. Here is what you are handing over.
Your whole balance
A personal card has no budget. One misread page, one wrong quantity, and the money is gone before you look.
Your bank's OTP
3D Secure sends it to you, not the agent. Now you work for the agent, typing codes on demand. Every. Single. Time.
Your name on every receipt
The statement shows a merchant. Not which agent bought it, for which task, under which rule you set.
One off switch, for everything
Something goes wrong, you cancel the card. Every agent stops, and so does everything else you pay with it.
Side by side
Your own card vs an AgentPay card
Linking your card through Stripe Link puts your real card in the agent's hands. An AgentPay card is one the agent issues itself.
Your own card, via Stripe Link
Your real number and your whole balance, in the agent's hands.
✕3D Secure stops the agent: an SMS code, a bank app tap or Face ID, from you.
✕The agent can spend your whole balance.
✕Every charge blends into one statement.
An AgentPay card
Issued by the agent itself, for one purchase, inside the limit you set.
✓3D Secure is cleared for it. No SMS code, no bank app, no Face ID.
✓The agent can spend $860, then the card is gone.
✓Every charge names its agent and its run.
The solution
Its own wallet.
Its own cards. Your rules.
Fund a wallet, keep your card in your pocket. Each agent gets its own cards, logins and limits, spends only what you put in, and AgentPay clears 3DS so no code ever reaches your phone. One place for every receipt.
Visa & Mastercard Networks
PCI DSS Compliant Infrastructure
Licensed Bank & Card Partners
Try AgentPay
Building an AI assistant or agent that needs to buy online?
Paste this into your agent. One line, and it knows how to open a wallet, mint a card and pay. Thirty seconds, no KYC or KYB up front.
npx skills add Kato-Official/agentpay-skills
Any model: Claude, GPT, Gemini, Grok, Llama, Mistral.
Any framework, MCP, or a bare HTTP call.
Any merchant, any protocol. If they take a card, it works.
Features
Everything your agent needs to pay.
Wallet, cards, logins, 3DS, checkout. The full stack behind one API, so any AI agent becomes a trusted spender.
One wallet, you in control
Fund once. Decide how much freedom each agent gets.
Fund one prepaid wallet by card, bank transfer or stablecoin, and every agent, card and purchase draws from it. Pick a mode per agent: Asks you first, where every purchase waits for your yes on the web, WhatsApp, Telegram or by voice, or Buys on its own, never past the limit you set. Every charge lands in one activity feed, tied to the agent and the run that made it.
Top up by card, bank transfer or USDC.
Asks you first, or buys on its own.
Approve from WhatsApp, Telegram, voice or the web.
Every charge logged with agent, run, merchant and amount.
Dedicated Agent Cards
One card per agent, created by the agent.
Your agents create their own virtual Visa or Mastercard cards, one per agent, one per task, one per campaign. Each has its own identity, limit and trail. Minted in seconds via API or dashboard.
Instant virtual card setup.
Unique card per agent or per task.
Freeze or kill any card instantly.
Visa & Mastercard accepted at 100M+ merchants.
YOUR BANK
Confirm your purchaseba.com$860.00
Card ending 3388Tue 09:00
482917
✓Cleared by AgentPay, 0.6 s
3D Secure, cleared for it
The bank's challenge, answered on our side. No code on your phone.
Every online card payment can trigger 3D Secure: the bank sends a code and waits for a human. That is where every other agent stops and calls you. On AgentPay cards the challenge is answered programmatically, on our servers, in under a second, at any hour. Your agent pays and moves on.
Answered in under a second, 24 hours a day.
No OTP ever reaches your phone.
Works on every 3DS-protected checkout.
Each clearance logged with the purchase.
Single-Use Cards, minted by the agent
A card whenever it needs one. One purchase, then it's gone.
The agent does not wait for you to hand it a card. At the moment of purchase it mints one itself, locked to the exact amount and merchant, pays, and the card expires. No pre-issued plastic, no shared number sitting in a prompt. If the number ever leaks it is already worthless, and because every card maps 1:1 to a purchase, reconciliation is automatic: one card, one receipt, one line in your books.
Issued by the agent itself, the second it needs to pay.
Locked to a single amount and merchant, then expires.
Useless the moment it leaks, no reuse.
Maps 1:1 to every purchase for clean books.
Vault3 merchants
amazon.compasskey, 12 OctSigned in
doordash.compasskey, 28 OctSigned in
namecheap.compasskey, todaySigned in+Connect a storeone sign-in, then hands-offConnect
Merchant logins, in the vault
Sign in once with your passkey. The agent keeps the session.
Store logins never live in the agent's prompt. They live in the vault on our servers. You approve the sign-in one time with your passkey, on the merchant's own page. From then on the agent's browser keeps the session: it opens the store signed in, saves its card to the account and checks out alone.
Credentials in the vault, never in the prompt.
One passkey approval per store, then hands-off.
The agent's browser stays signed in between runs.
Revoke a connection and every session ends.
Also in the box
Everything else your agent needs.
Agent at the keyboard
SearchBasketPayReceipt
BA
Flight, London to New YorkTue 09:00, economy, 1 adult
$860.00Checkout on its own
A browser on our servers runs the purchase, search to receipt.
Paused
Charges on this card
1 Sep$24.00paid
1 Oct$24.00paid
1 Nov$24.00paid
1 Dec$24.00declined
Card paused. The subscription stopped on its own.
Multi-use cards for subscriptions
One card per tool, a monthly limit. Pause the card, the subscription stops.
Rules forTravel agent
Per run $1,000Per day $2,500No gamblingUS, UK, EU onlyTravel and cloud vendors
Flight, ba.com$860Allowed
Casino chips$40Blocked
Cloud server$24Allowed
Hotel, 5 nights$1,400Blocked
Rules your agent cannot cross
Budgets per agent, day and vendor. Block by merchant, category or country.
WhatsAppTelegramVoiceWeb
The agent asks where you already are. One word back and the card is issued.
AgentPayvia WhatsAppFlight, London to New York, Tue 09:00. $860 on ba.com. Pay it?
yes
Paid. Single-use card, limit $860, now closed. Receipt is in your feed.
Approve from anywhere
WhatsApp, Telegram, voice or the web. The agent asks, you reply yes.
Build your own assistant
Building an AI assistant that buys? Add AgentPay with one line and yours can pay, on any model and any framework.
9:41
AgentPayiMessageToday 09:02
Flight, London to New York, Tue 09:00. $860 on ba.com. Pay it?
Yes
Paid. Single-use card, limit $860, now closed. Receipt is in your feed.
Read 09:03
iMessage
Credentials in the vault
Store logins and keys live on our servers, never in the prompt. The assistant signs in and never sees a password.
Any merchant, anywhere
If a site takes a card, your assistant can buy there. Visa and Mastercard, 100M+ merchants, any currency.
Every purchase in the logs
Every call, step and receipt, logged. A webhook tells your app the moment a purchase clears.
How it works
Live in three steps.
From sign-up to your agent's first purchase in a few minutes.
01 | Open a wallet
Sign up with an email and fund the wallet by card, bank transfer or USDC. No KYB up front.
02 | Give your agent a key
Create an API key, set the limit per card and per day, and paste one line into your agent.
03 | Let it buy
Your agent mints a card at the review, 3DS is cleared on our side, and the receipt lands in your feed.
Add fundsWallet $0.00
$500.00
CardBank transferUSDC
Visa ending 4242Instant
Add $500.00
No KYB up front. Your wallet is live the moment the money lands.
API keys1 agent
Travel agentap_live_••••3f2aActive
Limit per card$100
Limit per day$500
ModeAsks you first
npx skills add Kato-Official/agentpay-skills
Create key
ActivityToday
ba.comFlight, London to New York$860.00Paid
Card 3388, single use, minted 09:00:12, closed 09:00:41. 3DS cleared by AgentPay.
namecheap.comlena-travel.com, 1 year$12.98Paid
Card 1195, single use, closed.
amazon.comUSB-C cable$9.40Awaiting your yes
Most Common Use cases
What your agents can buy.
Travel & Booking
Your agent browses flights and hotels, compares options, and books the best deal, paying instantly with a AgentPay Visa card.
Ad Spend Management
Enable a unique card per ad account. Your agent tops up Meta, Google, and TikTok campaigns without sharing your personal card.
SaaS & Tool Procurement
Let your agent subscribe to tools, upgrade plans, and manage renewals, all within your approved vendor list and budget.
Cloud & Compute
Your agent spins up servers, buys API credits, and manages infrastructure spend with real-time cost controls you define.
Supplier Payments
Automate procurement. Your agent finds, negotiates, and pays suppliers within pre-approved budgets and vendor rules.
Agent-to-Agent
Your agent hires other agents for specialized tasks, data analysis, content, research and pays them automatically.
Pricing
Free for everyone. Enterprise on request.
No setup fees. No hidden costs.
Free
$0
forever
Every card, every check, every checkout. No plan to pick, nothing to upgrade to.
What's included?
- Virtual cards, Visa or Mastercard: unlimited
- 3D Secure verifications: unlimited
- Most on one card: $30,000
- Card type: full fiat, in US dollars
- Connected agents: unlimited
- Saved store logins: unlimited
- Support: email
No card details. Live in two minutes.
Enterprise
Let's talk
For a company buying at size, with a contract, invoicing and a name to call.
What's included?
- Everything in Free: yes
- Contract and invoicing: yes
- Team seats: as many as you need
- Limits above $30,000 a card: on request
- Support: a named person
A 20 minute call, then you are set up.
Built for agents, natively
One API. Every step an agent takes.
Every endpoint is callable by the agent itself: it creates its card, checks its budget, starts a checkout, connects a store, registers a webhook. No human in the loop unless you put one there. Skill, SDK, MCP or plain REST, any model, any framework.
Skill, SDK, MCP and REST
Webhooks when money moves
Every call in the API log
AgentPayHome
API keys
Cards
Connections
Agents
More
Logs
LogsLive
TimeAgentCallStatusLatency
FAQ
Everything you need to know.
Quick answers before your agent's first purchase.
What does AgentPay do?
It is payments for AI agents. A business funds one prepaid wallet. The agent creates its own cards from it, single use for one purchase or multi use for a subscription, with the limit you set. The bank's security check (3D Secure) is cleared for it, and it checks out in its own browser that stays signed in to the store.
Does the store need to integrate anything?
No. The agent pays with a Visa or Mastercard that works anywhere cards are accepted, in the store's normal checkout. The store sees a card, not an agent.
How is this different from linking my own card?
A linked card is your real card in the agent's hands: the bank's code lands on your phone, every charge blends into one statement, and one leak exposes the whole account. An AgentPay card is created for one purchase, capped, answered for at the bank, tied to the agent and its run, and destroyed when done.
Who decides when the agent may spend?
You do, with two modes. Asks you first: every purchase waits for your yes, however small, on the web, WhatsApp, Telegram or by voice. Buys on its own: the agent never goes past a card's limit. Either way every charge lands in one activity feed.
How does the agent clear 3D Secure?
Bank challenges on AgentPay cards are answered programmatically, on our side. No code is sent to your phone and nobody waits, at any hour.
Which models and frameworks work?
Any. The skill is a plain Markdown file any agent can read; the MCP server, the TypeScript and Python SDKs and the REST API cover the rest. Claude, GPT, Gemini, Grok, Llama and Mistral agents run on it today.
What does it cost?
Free: unlimited cards, unlimited 3D Secure, up to $30,000 on one card, unlimited agents and store logins. Enterprise terms, invoicing and higher limits on request.
AgentPayHome
API keys
Cards
Connections
Agents
More
Logs
AgentsNew agent
Travel agentBuys on its own$860.00 this month
Ops agentAsks you first$24.00 this month
BuyerAsks you first$12.98 this month
Ready?
Your agents are ready to pay.
Stop booking hotels & flights yourself. Enable your AI agents to pay with a Mastercard or Visa card, within your policy rules.
Visa & Mastercard Network
PCI DSS Compliant Infrastructure
Licensed Bank & Card Partners
