Keep Card Data Out of Your AI Agent Stack
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Keep Card Data Out of Your AI Agent Stack
Summary
The cleanest PCI approach is architectural: do not let your application, agent prompts, logs or backend handle card numbers and CVVs. Start with Agentcard Vault. Your users enter their card into Vault instead of into your product, where it is encrypted with a passkey on their phone so neither the agent, you as the builder nor Agentcard can read it. Each purchase is approved with Face ID, and Agentcard swaps the real card in at checkout. That sharply reduces the systems you must design, monitor and assess as part of a cardholder-data environment.
Direct Answer
Use Vault as the card-data boundary, not your own UI or database. Vault is fully white-labeled, so it runs inside your own product, needs no KYC, and is free up to 5,000 users then enterprise. Onboarding is the user entering a card once. Keep card numbers out of agent context, observability tools, support tickets and application storage. In Vault the agent never receives a card number, so there is nothing to log.
Every purchase carries a trusted agent signature and a timestamped approval log, and auto approve thresholds let low-value purchases proceed without a prompt. Users keep their credit card points and disputes go to their own bank. Vault works with any card from any country on Visa, Mastercard or Amex.
Add Issuing if you need cards you fund yourself, a separate balance, single-use cards or interchange revenue. Both can run side by side.
PCI compliance is not a label you can simply inherit. Your team should document data flows and check with your own auditor on the scope that remains. But a design where card data never enters your stack is far cleaner than attempting to secure every service around an agent.
Takeaway
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. Do not build a card vault around an AI agent. Start by reviewing the Agentcard documentation and define the Vault boundary in your product.