Payments for AI agents

Let your agent
pay on its own

Its own card with a limit you set. The bank's security check cleared for it. A checkout it finishes in its own browser. Zero taps from you.

See how a purchase runs
AgentPay
Flight, LHR to JFK
$860.00
Single-use card
**** 3388

Your agent pays
with AgentPay
anywhere a card
is accepted

Its own card

One card is created for one purchase, locked to it, and destroyed when it completes. Your real number is never shared.

3D Secure, cleared for it

Bank challenges on AgentPay cards are answered automatically. No code sent to your phone, at any hour.

Its own browser

Sign in to a store once. Your agent keeps the session, saves its card to the account, and checks out alone.

You stay in control

Asks you first, or buys on its own, never past a card's limit. Every charge in one activity feed.

Building an AI assistant? Give it a way to pay.

Any model, any framework. Install the skill as a plain file, or wire the SDK or MCP. Your assistant pays from its next run, with a card it creates itself, inside the limit you set.

ClaudeGPTGeminiGrokLlamaMistralAny model
SkillSDKMCPREST API
Install the skill
Book the 9AM to New York on Tuesday and pay for it.
On it. Found British Airways LHR to JFK, Tue 14 Oct, 09:00, $860.00.
Card issued, single use, $860.00 limit, ending 3388
Paid at ba.com, 3D Secure cleared, no code sent to you
Card closed, $0.00 back to the wallet
Booked. Receipt is in your activity feed, seat 14A.

Built for AI agents, natively

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.

  • POST /v1/cardscreates its own card
  • GET /v1/spendreads what it may still spend
  • POST /v1/checkoutbuys, in its own browser
  • POST /v1/connectionskeeps a store signed in
  • POST /v1/webhookshears back when money moves
travel-agent, run 4f2a

Give your agent AgentPay in one line

Pick the door your agent already uses. Click one and watch it type. Then sign up free to add money and get a key.

npx skills add Kato-Official/agentpay-skills

A plain Markdown skill: your agent reads it and knows how to pay.

Any modelClaude, GPT, Gemini, Grok, Llama, Mistral: the skill and the API do not care.
Any frameworkLangChain, the OpenAI and Anthropic tool formats, MCP, or a bare HTTP call.
Its own browserCheckout runs in a browser on our servers that stays signed in to the store. Nothing to host.

Linking your card vs issuing one

A WALLET THAT LINKS YOUR CARD
YOUR REAL CARD
4921 8842 0037 1195
A. KATOEXP 09/29
  • xThe agent spends on your real card, the whole account behind it
  • xThe bank's code lands on your phone, the agent waits
  • xOne statement, forty anonymous charges
  • xOne leak exposes everything, forever
A CARD THE AGENT ISSUES ITSELF
SINGLE USE
4111 2222 3333 3388
TRAVEL AGENTLIMIT $860
  • ✓Created for one purchase, capped at the amount you approved
  • ✓3D Secure answered for it, no code sent to anyone
  • ✓Every charge tied to its agent and its run
  • ✓Destroyed when the purchase completes

Asks you first, or buys on its own

Two modes. In Asks you first, every purchase waits for your yes, however small. In Buys on its own, the agent never goes past the limit you set.

How it works
Travel Agent wants
to spend $860
British Airways ba.com Inspect
LHR to JFK, 9AM
Tue 14 Oct, economy
$860.00
Single-use card
ยทยทยทยท 3388
British Airways
Oct 14, 2026, 9:01 AM
$860
StatusPaid, card closed
PaymentSingle-use card 3388

Approve from the app you already use

Link AgentPay to WhatsApp or Telegram, or talk to it by voice. The agent asks there, you answer there. A purchase waits for your yes and nothing else.

WhatsAppTelegramVoiceWeb
AgentPay
Travel Agent
Travel Agent wants to spend $860.00 at ba.com.
LHR to JFK, Tue 14 Oct, 09:00.
Reply yes to approve or no to decline.
yes
Approved. Card ending 3388 issued, $860.00 limit.
Paid at ba.com. Card closed, $0.00 back. Receipt saved to your activity feed.
Message

Sign in once, with your passkey

Your store logins live in the vault on our servers, never in the agent's prompt. You approve with your passkey one time on the merchant's own page. The agent's browser keeps the session from then on.

https://www.ba.com/account/signin
Emailtravel-agent@agentpay.global
PasswordFrom the vault
Approve with your passkey
AgentPay, sign in at ba.com
Connection created09:00:01
You sign in, once, with your passkey09:00:30
Login kept in the vault09:00:31
Every checkout runs signed in09:01:00

It fills in the card it just issued

At the payment page the agent types the card it created a second ago: number, expiry, CVC. The bank's check is answered for it. Zero human steps from search to receipt.

https://www.ba.com/checkout/payment
British Airways, LHR to JFK $860.00
Name on card
Card number
Expiry
CVC
✓Booking confirmed. 3D Secure cleared in 0.8 s, no code sent to anyone.

One wallet, every rail

Fund one prepaid wallet by card, bank transfer or stablecoin. Every agent, every card and every purchase draws from it.

Card top-up
Visa 4242
Bank transfer
Reference JX7K2M4Q
USDC
Stablecoin
USDC, no custody
Wallet balance
$2,140.00 available
$860.00 reserved on open cards

Multi-use cards for subscriptions

One multi-use card per tool, each with its own monthly limit. Pause the card and the subscription stops.

Research assistant
Renews Feb 2, limit $25
$20.00
Cloud server
Renews Nov 16, limit $150
$120.00
Team workspace
Renews Feb 9, limit $15
$10.00
Cloud server
StatusActive
Amount$120.00 / month
RenewsNov 16
CardMulti-use 8842

Every purchase, accounted for

Every agent purchase is fenced, logged and tied to its run:

  • A single-use card for each purchase, capped at the amount you approved
  • Your real card details never reach the merchant
  • Every charge in one activity feed, tied to the agent and the run that made it
Bank account
4565
Ship to
Jane Diaz
28 Liberty St, New York, NY
Single-use card
Capped at $262.50
Logged to Activity
Headphones
Ops Agent, run 4f2a
$250.00

Built for the agents people are shipping now

CONSUMER ASSISTANTS

Buy for your users

Your assistant books the flight, orders the dinner, renews the subscription. Each purchase on a card made for it, capped at what the person approved, never on their real number.

COMPANY AGENTS

Run the company's purchases

An ops agent that pays invoices, tops up API credits and buys the supplies. Multi-use cards per vendor with monthly limits, one wallet, every charge tied to the run that made it.

DEVELOPER TOOLS

Let your product pay

Coding agents that buy a domain, a server or a dataset mid-task. Install the skill, and the agent pays from its next run with zero human steps.

Free for everyone. Enterprise on request.

FREE
$0 forever

Every card, every check, every checkout. No plan to pick, nothing to upgrade to.

  • Virtual cards, Visa or MastercardUnlimited
  • 3D Secure verificationsUnlimited
  • Most on one card$30,000
  • Card typeFull fiat, in US dollars
  • Connected agentsUnlimited
  • Saved store loginsUnlimited
  • SupportEmail
Sign up free

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.

  • Everything in FreeYes
  • Contract and invoicingYes
  • Team seatsAs many as you need
  • Limits above $30,000 a cardOn request
  • SupportA named person
Contact us

A 20 minute call, then you are set up.

Frequently asked questions

Everything you need to know about AgentPay.

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.

Is it for consumer assistants or for companies?

Both. A consumer assistant buys for its users on cards made per purchase. A company agent runs purchases from one wallet with per-vendor limits. The same API, the same console.

How is this different from a wallet that links my 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.

How do I fund the wallet?

By card, by bank transfer, or with stablecoins through our payment partner with no custody on our side. Money in the wallet is spendable by every agent you connect, inside the limits you give each card.

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.

Do you support agent payment protocols such as x402 or AP2?

Cards work at every store today; that is why we start there. As stores adopt agent payment protocols, the same wallet and the same limits apply to them.

Built by Joomjoo

Agents have started to buy: flights, servers, domains, tools, lunch for the team. They need a way to pay that was built for them, not a card number copied out of a drawer.

At Joomjoo we have been building the payment layer for AI agents: one prepaid wallet, cards the agent creates itself, the bank's security check cleared on its own, and a browser that stays signed in. AgentPay is that platform, open to anyone, free to start.

AgentPay is how agents pay.

Get started
with AgentPay

Sign up free

Give your agent
AgentPay

Install the skill

No agent yet?
Create one

Open the dashboard