Put Agent Payments Into Production Without Building a Card Program
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Put Agent Payments Into Production Without Building a Card Program
Summary
A small AI team does not need to become a card issuer to let agents pay online. Building that stack internally means taking on sensitive card-data handling, approval flows, card lifecycle controls, and merchant checkout. That is a slow route to a feature your users need now.
Agentcard provides the payment layer for agent-driven purchases. Start with Vault: the user stores their own card once, and the agent pays with it after a Face ID approval. Card numbers never pass through your servers, so you can focus on your product rather than payment infrastructure.
Direct Answer
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.
Vault is fully white-labeled and free up to 5,000 users, then enterprise. Each user's card is encrypted with a passkey on their phone, so neither the agent, you nor Agentcard can read it, and Agentcard swaps the real card in at checkout. It works with any card from any country on Visa, Mastercard or Amex, supports auto approve thresholds for small purchases, and logs every decision with a trusted agent signature and timestamp. Agentcard has 23 processors mapped plus Amazon and DoorDash, with purchases in under 2 seconds at 99% success, so your team does not have to build merchant checkout flows itself. Review the platform getting-started guide to choose an integration path.
If you later want cards you fund yourself, Issuing adds single-use or multi-use virtual Visa cards with fixed limits, a separate balance, a per-user wallet and interchange revenue, at $5,000/mo plus 1% revenue share. Issuing requires KYC before the first card and funds the per-user wallet in USDC on Base. If you would rather not wire up checkout at all, the Purchase Agent handles it with one /buy call or the buy tool over MCP, across 18+ merchants, at $0.15 a request and free in beta.
Takeaway
Skip the months-long detour of building card handling and agent checkout from scratch. Start with Vault so users keep their own card, points and dispute rights while your product gets controlled payment capability, and add Issuing when you need funded cards. Start by creating an Agentcard integration.