Paygent.


Paygent.


Paygent.

Give AI Agents.Their Own Wallet.

Issue virtual and disposable cards, control agent spending, automate payments, and manage AI commerce from a single platform.

Give AI Agents.Their Own Wallet.

Issue virtual and disposable cards, control agent spending, automate payments, and manage AI commerce from a single platform.

Get Started

Give AI Agents

Their Own Wallets.

Issue virtual and disposable cards, control agent spending, automate payments, and manage AI commerce from a single platform.

Your Agents Can Act. Now They Can Pay.

Your Agents Can Act. Now They Can Pay.

Paygent issues virtual cards your AI agents can spend from — with spending limits, merchant locks, disposable cards, and a complete audit trail.

Paygent issues virtual cards your AI agents can spend from — with spending limits, merchant locks, disposable cards, and a complete audit trail.

Agent

Procurement-Agent

↓

Paygent API

Policy • Merchant lock • Audit

↓

Virtual Card

•••• 4829 $2,500 limit

OpenAI

OpenAI

AWS

AWS

Vercel

Vercel

Datadog

Datadog

Live Transactions

OPENAI API $20.00
OPENAI API $20.00
OPENAI $20.00
AWS $48.00
AWS $48.00
AWS $48.00
Vercel $29.00
Vercel $29.00
Vercel $29.00
Datadog $12.00
Datadog $12.00
Datadog $12.00

Remaining Budget

$2,391

The Financial Layer For AI Agents

The Financial Layer For AI Agents

AI agents can reason, plan, and execute work. Paygent gives them secure spending capabilities with virtual cards, policy controls, approval workflows, and transaction-level visibility.

AI agents can reason, plan, and execute work. Paygent gives them secure spending capabilities with virtual cards, policy controls, approval workflows, and transaction-level visibility.

[Paygent API v1]

• Virtual Card Issuance

• Merchant Locks

• Spend Limits

• Audit Logs

01

Instant Card Issuance

Create and fund virtual cards for AI agents in a single API call.

Processing

Merchant Lock Active

LIVE

Card Policy

Create Card

Attach Agent

Apply Spend Limit

0%

Activate Card

02

Network Enforced Controls

Restrict merchants, control budgets, and enforce spending boundaries.

Transaction Activity

OpenAI API

$20

Anthropic

$35

AWS

$48

Browserbase

$12

$385

Remaining Budget

03

Real-Time Agent Spend

Monitor every transaction across agents and virtual cards.

INPUT

Agent

Task

Prompt

↓

OUTPUT

Transaction

Approval

Audit Entry

04

Audit Logs

Track every transaction back to the agent, task, prompt, policy, and approval event.

/cards

Issue card for procurement-agent with $2,500 limit and OpenAI merchant lock

Issue card for procurement-agent with $2,500 limit and OpenAI merchant lock

Issue a policy-backed virtual card in one API call.

Issue a policy-backed virtual card in one API call.

…analyzes user feedback

///detects recurring issues

prioritizes critical pain #%**points

recommends product enhancements

…reviews customer insights

///detects recurring issues

…reviews customer insights

//maps recurring product challenges

…collects feedback signals

///identifies common friction areas

…reviews customer insights

///detects recurring issues

…reviews customer insights

//maps recurring product challenges

…collects feedback signals

///identifies common friction areas

…analyzes user feedback

///detects recurring issues

prioritizes critical pain #%**points

recommends product enhancements

Developer-First Payment APIs

const agent = await paygent.agents.create({ name: “procurement-agent” }); const card = await paygent.cards.issue({ agent: agent.id, limit: 2500, merchant: “openai.com” });

01

Track Every Dollar

Monitor transactions, spending activity, and audit logs in real time.

01

Track Every Dollar

Monitor transactions, spending activity, and audit logs in real time.

01

Give
a Task

Monitor transactions, spending activity, and audit logs in real time.

Virtual cards, policy controls, merchant locks, and MCP-powered payment infrastructure for autonomous agents.

Built for AI agents, not shared corporate cards.

View Docs

Payment Infrastructure Built For Agents

Payment Infrastructure Built For Agents

Create isolated virtual cards for every agent, task, workflow, or customer. Control exactly where, when, and how money can be spent.

Create isolated virtual cards for every agent, task, workflow, or customer. Control exactly where, when, and how money can be spent.

Cards
Policies
Approvals
Audit
MCP
Instant Card Issuance

Create funded virtual cards in one API call.

Issue Virtual Card

Completed

Assign To Agent

Completed

Apply Merchant Lock

Completed

Set Spend Limit

In Progress

Instant Card Issuance

Create funded virtual cards in one API call.

Issue Virtual Card

Completed

Assign To Agent

Completed

Apply Merchant Lock

Completed

Set Spend Limit

In Progress

Per-Agent Limits

Set daily, weekly, monthly, and per-transaction controls.

Agent Policy

Create Agent

Set Budget

Apply Limits

24%

Policy Active

Per-Agent Limits

Set daily, weekly, monthly, and per-transaction controls.

Agent Policy

Create Agent

Set Budget

Apply Limits

24%

Policy Active

Merchant Locks

Restrict cards by merchant, category, domain, or vendor.

Merchant Policy


Allowed: OpenAI · Anthropic · AWS

Blocked: All Other Merchants

Review Policy

Merchant Locks

Restrict cards by merchant, category, domain, or vendor.

Merchant Policy


Allowed: OpenAI · Anthropic · AWS

Blocked: All Other Merchants

Review Policy

Real-Time Webhooks

Approve, decline, reload, or freeze transactions programmatically.

Authorization Request

Completed

Policy Validation

Completed

Webhook Decision

In Progress

98%

Real-Time Webhooks

Approve, decline, reload, or freeze transactions programmatically.

Authorization Request

Completed

Policy Validation

Completed

Webhook Decision

In Progress

98%

MCP Server

Expose safe payment actions directly inside agent workflows.

Virtual Cards

Issue and manage cards

Policies

Limits and restrictions

Transactions

Monitor agent spending

Approvals

Human-in-the-loop controls

MCP Server

Expose safe payment actions directly inside agent workflows.

Virtual Cards

Issue and manage cards

Policies

Limits and restrictions

Transactions

Monitor agent spending

Approvals

Human-in-the-loop controls

Core Controls

Everything needed to issue, fund, restrict, monitor, approve, and terminate agent payment cards through API and MCP.

Merchant Restrictions

Lock cards to approved merchants, categories, domains, and vendors.

Spending Caps

Set per-transaction, daily, weekly, monthly, or workflow-level budgets.

Human Approval Thresholds

Route high-risk or high-value spend to an approval queue before authorization.

Self-Destructing Cards

Issue disposable cards that terminate automatically when a task is done.

Fleet Kill Switch

Freeze a single card, an agent, or an entire card fleet instantly through API.

Audit Logs

Record agent, task, prompt, policy, authorization, decline, reload, and freeze events.

Monitor Agent Spending

OpenAI API -$20. AWS -$48. Vercel -$29. Datadog -$12. Remaining Budget $2,391. Every transaction is visible, scoped, and auditable.

OpenAI API -$20. AWS -$48. Vercel -$29. Datadog -$12. Remaining Budget $2,391. Every transaction is visible, scoped, and auditable.

PAYGENT ISSUES VIRTUAL CARDS, ENFORCES BUDGETS, LOCKS MERCHANTS, MONITORS TRANSACTIONS, ROUTES APPROVALS, AND GIVES EVERY AUTONOMOUS AGENT A SAFE SPENDING BOUNDARY.

Every Agent Gets A Spending Boundary

Merchant locks, transaction limits, disposable cards, approval thresholds, instant freeze, audit trails, and real-time monitoring for autonomous payment activity.

Policy Engine

Policy Engine

Network-enforced controls for agent spend, card isolation, merchant restrictions, approval queues, and complete transaction visibility.

Network-enforced controls for agent spend, card isolation, merchant restrictions, approval queues, and complete transaction visibility.

1. How does Paygent control agent spending?

2. What are Paygent virtual cards?

3. How secure are agent payments?

4. Can cards be restricted by merchant?

5. Can humans approve transactions?

6. Does Paygent support MCP integration?

Works With Your Agent Stack

Works With Your Agent Stack

TypeScript, Python, MCP, LangGraph, CrewAI, AutoGen, OpenAI Agents, and Claude. Paygent adds the payment layer without changing your orchestration stack.

TypeScript, Python, MCP, LangGraph, CrewAI, AutoGen, OpenAI Agents, and Claude. Paygent adds the payment layer without changing your orchestration stack.

Paygent payment infrastructure for AI agents
1. Get your API key

News

May 14, 2026

Virtual card issuing for autonomous agents
2. Configure your MCP client

Tutorials

May 14, 2026

Policy controls for AI agent payments
3. Fund it

Tutorials

May 14, 2026

Paygent payment infrastructure for AI agents
1. Get your API key

News

May 14, 2026

Virtual card issuing for autonomous agents
2. Configure your MCP client

Tutorials

May 14, 2026

Policy controls for AI agent payments
3. Fund it

Tutorials

May 14, 2026

Approval workflows for agent transactions
4. Tool reference

Tutorials

May 14, 2026

The Financial Layer
For AI Agents

Build autonomous systems that can spend safely.

PAYGENT_CARDS.create({ agent: "research-agent", limit: 500, merchant: "OpenAI" }) PAYGENT_CARDS.freeze(card_001) PAYGENT_AUDIT.stream({ status: "active" })

Agenticx Background

The Financial Layer
For AI Agents

Build autonomous systems that can spend safely.

Agenticx Background

The Financial Layer
For AI Agents

Build autonomous systems that can spend safely.