Purchase-capable agents
Developers giving an agent a bounded way to buy domains, credits, SaaS, or other supported online goods.
Independent tool overview
AgentCard at a glance
AgentCard is an Alchemy-built payment layer that lets AI agents request one-purchase card credentials with amount and merchant controls.
Visit the official AgentCard site ↗
- Builder
- Alchemy
- Interfaces
- CLI, REST API, MCP, and skill endpoint
- Direct-account ceiling
- $200 per UTC day
Overview
What AgentCard is
A user connects an eligible Mastercard through Mastercard Agent Pay or saves another funding card through Stripe. The agent requests a payment for a named merchant, item, and amount, then receives a one-time credential after any required identity and user approval steps.
AgentCard is payment infrastructure, so KYC, merchant acceptance, spend limits, temporary holds, refunds, and agent permission design matter. Its controls reduce exposure compared with handing an agent a reusable card, but they do not eliminate purchasing mistakes or merchant disputes.
Use cases
Who AgentCard is best for
The strongest fit depends on the job you need the product to complete, not the size of its feature list.
Scoped payment approvals
Users who want merchant- and amount-specific credentials instead of exposing a reusable card number.
Capabilities
Core AgentCard features
Single-purchase credentials
Creates card credentials scoped to a requested purchase amount and merchant flow.
Agent integrations
Works through CLI, REST API, MCP, and a machine-readable skill endpoint.
Spend and identity controls
Applies KYC, account budgets, per-card caps, daily limits, and optional passkey approval.
Process
How the AgentCard workflow works
Step 1
Sign up and verify
Create an account, complete setup, and finish the hosted identity check when required.
Step 2
Connect funding
Connect a Mastercard or save another funding card through the supported secure flow.
Step 3
Request and review a purchase
Have the agent request a specific merchant, item, and amount, then approve and monitor the transaction.
Cost
AgentCard pricing and free plan
AgentCard says signup is free with no monthly fee or subscription. Users pay for what the agent buys; temporary holds, merchant charges, and funding-network behavior still apply.
Direct account
No monthly fee
Use connected or issued one-time credentials for supported purchases.
- Pay only for captured merchant purchases
- KYC and spend limits apply
Partner
Custom
Platforms issuing cards on behalf of customers use separately configured partner accounts.
- Manually provisioned
- Limits and commercial terms are configured separately
Pricing checked . Check current pricing at the source ↗
Assessment
AgentCard strengths and limitations
Where it stands out
- Scopes payment credentials to a purchase instead of exposing a reusable card.
- Offers agent-native CLI, API, MCP, and skill interfaces.
What to consider
- Merchant declines, holds, KYC, refunds, and card-network rules can interrupt automated flows.
- Payment controls reduce risk but do not guarantee that an agent chooses the correct item or merchant.
Compare
AgentCard alternatives
The right alternative depends on the specific output, workflow, controls and budget your project requires.
Agents
Agent Builder
Choose Agent Builder when payments are one tool inside a larger custom agent workflow.
Explore Agent Builder →Agents
ChatGPT Agent
Choose ChatGPT Agent for a broader action-taking assistant where purchase steps still require careful review.
Explore ChatGPT Agent →Questions
AgentCard FAQs
What is AgentCard?
AgentCard is an Alchemy-built payment layer that lets AI agents request one-purchase card credentials with amount and merchant controls.
Who is AgentCard best for?
Developers giving an agent a bounded way to buy domains, credits, SaaS, or other supported online goods. Users who want merchant- and amount-specific credentials instead of exposing a reusable card number.
How much does AgentCard cost?
AgentCard says signup is free with no monthly fee or subscription. Users pay for what the agent buys; temporary holds, merchant charges, and funding-network behavior still apply.
Bottom line
Our AgentCard verdict
AgentCard fills a real gap for purchase-capable agents, especially when a tightly scoped credential is safer than a reusable card. Use it with explicit approval rules, low initial limits, transaction logs, and a human path for disputes.
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