Save your card once. Set a policy. Your agent creates spend-limited virtual cards on demand — silently when safe, with your approval when it matters.
No credit card to sign up · Built on Stripe Issuing · Cards by Celtic Bank
In the dashboard
Your agent mints cards. We record every authorization: the merchant that saw it, what your policy decided, what actually cleared.
Card
•••• •••• •••• 4242
Live activity
issuing_authorization.createdCloudflare Registrar
$12.00
just now
payment_intent.amount_capturable_updated$12.00
2m ago
issuing_card.createdlimit $12.00
2m ago
How it works
Magic-link signup. Short KYB form (name, DOB, address). Save a payment method via Stripe SetupIntent. Under two minutes.
Max per card. Approval-required threshold. Velocity caps. Defaults ship sensible; tune them any time.
One JSON block in Claude Desktop, Cursor, or Windsurf. Five tools appear in the agent’s toolkit.
Agent asks for a card with amount + purpose. We place a silent auth-hold and mint a single-use card. Webhook captures on authorization.
// Claude Desktop calling the AgentPay MCP tool
const card = await agentpay.create_card({
amount_cents: 1200,
agent_id: "claude-code",
purpose: "Buy mydomain.dev on Cloudflare"
})
// card.last_four → "4242"
// card.expiration → "12/29"
// card.spending_limit → 1200
// card.status → "OPEN"What you get
Default policy plus per-card override. Approval gate. Hard cap. First-class primitive, not buried in settings.
No Stripe Checkout per card. Users save their PM once; agents mint cards without user interruption.
Five tools — create_card, list_cards, get_card, close_card, check_balance. One JSON block in your agent.
Per-user identity on every card. AVS passes at merchants. No shared-address compliance hacks.
Every authorization is logged with agent_id, purpose, amount, merchant, and decision.
One click revokes every agent, closes every open card, and rejects every pending approval.
Why not just use Stripe Issuing?
| AgentPay | Roll your own | |
|---|---|---|
| Setup time | 5 minutes | Weeks of Stripe Issuing approval, Connect, Treasury |
| KYB collection | Built-in wizard | Build your own + integrate with Stripe Cardholder API |
| Funding model | Silent off-session holds | Design, test, handle SCA, edge cases, webhooks |
| Policy primitive | Default + per-card override | Build schema, admin UI, evaluation engine |
| MCP integration | Five tools, one JSON block | Write + maintain your own MCP server |
| Approval queue | Dashboard + API | Build UI, queue, expiry, race conditions |
| Observability | Activity feed per card | Wire up webhooks + build dashboards |
Pricing
Test-mode pricing is free for everyone. Live-mode pricing is directional until we finalize rail economics with our issuing partner.
For testing and small projects
For active builders
For agent fleets and platforms
Five minutes to first card. Free while you explore. No Stripe onboarding for your users.