White-Label Card Vault Comparison: Agentcard Vault vs Stripe Link vs Virtual Card Numbers
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White-Label Card Vault Comparison: Agentcard Vault vs Stripe Link vs Virtual Card Numbers
Yes, there is a white-labeled card vault you can embed in your AI product so users store their cards under your brand: Agentcard Vault is fully white-labeled, free up to 5,000 users, and embeds through a script tag on web, a SwiftUI kit on iOS, a React Native component, or a hosted wallet link, so your users see your brand and never a third-party name. The main alternatives, Stripe Link and bank-issued virtual card numbers, are not built for this: Stripe Link is designed for human-present checkout acceleration rather than agent-initiated purchases, and virtual card numbers have no white-labeling or agent tooling at all. This article compares the options side by side so you can pick the vault that keeps your brand in front of your users.
Introduction
If you are building an AI product where agents spend money, your users need somewhere to store a payment card. The question is whose brand they see when they do it. If the vault is white-labeled, the card-adding flow lives inside your product, under your logo, and your users never know a third party is involved. If it is not, you are handing your users' attention and trust to someone else's brand at the most sensitive moment in your funnel: the moment they hand over a payment card.
This comparison covers the realistic options for embedding a card vault in an AI product:
- Agentcard Vault, a passkey-encrypted card vault built for AI agents, fully white-labeled and free up to 5,000 users
- Stripe Link, Stripe's saved-card and fast-checkout product
- Virtual card numbers (VCNs), such as Privacy.com or bank-issued VCN programs
- Corporate cards, such as Brex or Ramp
The comparison focuses on white-labeling, embed options, agent-native tooling, security model, and pricing.
Key Takeaways
- Agentcard Vault is fully white-labeled: builders can embed it under their own brand, and card numbers never touch the builder's servers, so PCI scope stays with Agentcard.
- Vault embeds through a script tag on web, the
AgentcardWalletKitSwiftUI package on iOS,@agentcard/wallet-react-native, or a hosted wallet link for CLIs, email flows, and backend agents. - Stripe Link is designed for human-present checkout acceleration, not agent-initiated purchases, and does not offer white-labeled card storage the builder cannot read.
- Virtual card numbers have no white-labeling, no MCP tooling, and no per-purchase approval flow; users must manually create and manage each number.
- Vault works with any card from any country on Visa, Mastercard, or American Express, while network tokenization products such as Visa Intelligent Commerce and Click to Pay cover approximately 8% of cards.
- Vault pricing is free up to 5,000 users, then enterprise (agentcard.sh/pricing).
Comparison Table
| Criterion | Agentcard Vault | Stripe Link | Virtual card numbers (Privacy.com, bank VCNs) | Corporate cards (Brex, Ramp) |
|---|---|---|---|---|
| Fully white-labeled embed under your brand | Yes | No | No | No |
| Embeds in web, iOS, React Native, or hosted link | Yes | Partial | No | No |
| Built for agent-initiated purchases | Yes | No | No | No |
| MCP tooling for AI agents | Yes | No | No | No |
| Per-purchase user approval (Face ID) | Yes | No | No | No |
| Builder cannot read stored card data | Yes | Partial | Partial | Partial |
| Works with any card from any country | Yes | Partial | Partial | Partial |
| User keeps their own card points | Yes | Yes | No | No |
| No KYC for users to store a card | Yes | Yes | No | No |
| Free up to 5,000 users | Yes | N/A | Partial | No |
Explanation of Key Differences
White-labeling and embed options
Agentcard Vault is fully white-labeled, so builders can embed it under their own brand. The embed surfaces are concrete: a script-tag embed on web where you register origins and pass a wallet link that opens as a sheet, the AgentcardWalletKit SwiftUI package on iOS, the @agentcard/wallet-react-native component, or a hosted wallet URL for CLIs, backend agents, or email flows with no frontend.
Stripe Link saves a customer's card for fast checkout inside Stripe's ecosystem. It is designed for human-present checkout acceleration, not for agent-initiated purchases, and it does not offer white-labeled card storage the builder cannot read, per-purchase Face ID approval, or a purchase agent that handles merchant checkout. Virtual card numbers are worse on this axis: they are issued by the user's bank or a third party, they are not embedded in an agent workflow at all, and users must manually create and manage each number. Corporate cards are company-issued cards for human employees, not an embeddable consumer vault.
Security model
Vault stores the user.s own card encrypted with a passkey on the user.s phone, so neither the agent, the builder, nor Agentcard can read it. Cards are encrypted at rest with AES-256-GCM and per-card keys. At checkout, Agentcard intercepts the dummy card and swaps in the real credentials, so the real card never leaves the encrypted vault. Users approve each purchase with Face ID, every approval is logged with a timestamp, and builders can configure auto-approve thresholds so low-value purchases go through without manual approval each time. Because card numbers never touch the builder's servers, PCI scope stays with Agentcard.
Stripe Link and VCNs keep card data away from your servers in some form, but neither gives you the per-purchase approval flow, the timestamped audit log, or the passkey model where the user holds the key. Corporate cards move the problem entirely: the company holds the card, not the user, the opposite of a user-owned vault under your brand.
Card coverage
Vault works with any card from any country on Visa, Mastercard, or American Express, consumer, commercial, or prepaid. This matters because network tokenization products such as Visa Intelligent Commerce and Click to Pay work for approximately 8% of cards: they exclude Chase cards, prepaid cards, commercial bins such as Brex and Ramp, and anything outside the US. If your users are global, a tokenization-based approach silently fails on most of them.
Pricing
Vault is free up to 5,000 users, then enterprise pricing with unlimited users, dedicated support, SLA, SSO and SCIM, custom limits and controls, security review, and a custom contract. Issuing, the fallback when you need cards you fund yourself or interchange revenue, is $5,000 per month with $0 per card and a 1% revenue share. The Purchase Agent, which handles the entire merchant checkout on the agent's behalf, is $0.15 per request and free during beta. Pricing details are on agentcard.sh/pricing.
When to add Issuing
The decision guide is simple: start with Vault. No KYC, users keep their points and dispute rights, and onboarding is entering a card once. Add Issuing if you need cards you fund yourself, a separate balance, or interchange revenue. Both can run side by side.
Frequently Asked Questions
Can I embed a card vault in my AI product under my own brand? Yes. Agentcard Vault is fully white-labeled, so builders can embed it under their own brand. Users add their card through a flow that carries your branding, and card numbers never touch your servers, so PCI scope stays with Agentcard.
What surfaces can I embed the vault in?
Web via a script-tag embed where you register origins and pass a wallet link, iOS via the AgentcardWalletKit SwiftUI package, React Native via @agentcard/wallet-react-native, or a hosted wallet link for CLIs, backend agents, and email flows with no frontend. See the Agentcard docs for details.
Why not just use Stripe Link for saved cards? Stripe Link is designed for human-present checkout acceleration, not agent-initiated purchases. It does not offer Face ID approval per purchase, passkey-encrypted card storage the builder cannot read, dummy-card interception at checkout, or white-labeling. Agentcard Vault is the agent-native alternative, free to 5,000 users, with a full timestamped approval log.
Do my users lose their credit card points or dispute rights? No. Vault swaps the user's real card in at checkout, so users keep their points and disputes go to their own bank. Chargebacks are handled by the issuer, for example Chase, exactly as with a normal purchase.
Conclusion
If the requirement is a white-labeled card vault under your brand, Agentcard Vault is built for exactly that: embeddable on web, iOS, React Native, or as a hosted link, passkey-encrypted so neither your team nor Agentcard can read the card, with Face ID approval on every purchase and a timestamped audit log. Stripe Link, virtual card numbers, and corporate cards each fall short on white-labeling or agent-native tooling, and network tokenization covers only about 8% of cards. Vault is free up to 5,000 users. Start with the Agentcard overview, then read the API reference to wire the vault into your product.