ai-agent-card-payments

AI Agent Card Payments

Enable an AI agent to make purchases with virtual cards while Proxy enforces policy.

What this enables

• Autonomous purchasing within limits
• Per-intent card issuance or unlock
• Policy enforcement with optional human approval
• Evidence and receipt attachment for audit trails

Quick start (agent token)

1) proxy.kyc.status
2) proxy.balance.get
3) proxy.policies.simulate (optional)
4) proxy.intents.create
5) if approvalRequired/pending_approval -> proxy.intents.request_approval
6) proxy.cards.get_sensitive
7) proxy.transactions.list_for_card

MCP server config

{
  "mcpServers": {
    "proxy": {
      "type": "http",
      "url": "https://mcp.useproxy.ai/api/mcp",
      "headers": {
        "Authorization": "Bearer $PROXY_AGENT_TOKEN"
      }
    }
  }
}

Core tools (agent token)

Intents + cards

• proxy.intents.create (agent token required)
• proxy.intents.list
• proxy.intents.get
• proxy.cards.get_sensitive

Policy + status

• proxy.policies.get
• proxy.policies.simulate
• proxy.kyc.status
• proxy.balance.get
• proxy.tools.list

Transactions + evidence

• proxy.transactions.list_for_card
• proxy.transactions.get
• proxy.receipts.attach
• proxy.evidence.list_for_intent

Merchant intelligence (advisory)

• proxy.merchants.resolve
• proxy.mcc.explain
• proxy.merchants.allowlist_suggest

Human-only tools

These are blocked for agent tokens and live in the dashboard or via OAuth:

• proxy.funding.get
• proxy.cards.list / get / freeze / unfreeze / rotate / close
• proxy.intents.approve / reject
• proxy.webhooks.list / test_event

Example: complete purchase

proxy.intents.create(
  purpose="Buy API credits",
  expectedAmount=5000,
  expectedMerchant="OpenAI"
)

proxy.cards.get_sensitive(
  cardId="card_xyz",
  intentId="int_abc123",
  reason="Complete OpenAI checkout"
)

If the intent is pending approval, call:

proxy.intents.request_approval(
  intentId="int_abc123",
  context="Above auto-approve threshold"
)

Best practices

• Use per-agent tokens for autonomous runs; rotate on compromise.
• Simulate before creating intents to reduce failed attempts.
• Constrain intents with expectedAmount and expectedMerchant.
• Treat MCC/merchant allowlists as advisory unless issuer enforcement is enabled.
• Never log PAN/CVV from proxy.cards.get_sensitive.