ai-agent-card-payments

• Autonomous purchasing - Agents can buy things without human intervention (within limits)
• Virtual cards on-demand - Fresh card numbers for each purchase
• Policy enforcement - Spending limits, merchant restrictions, approval thresholds
• Human-in-the-loop - High-value purchases require approval

```

1. Check balance → proxy.balance.get
2. Create intent → proxy.intents.create
3. Get card → proxy.cards.get_sensitive
4. Make payment → Use card at checkout

```

Payment Flow

| Tool | Purpose |

|------|---------|

| proxy.intents.create | Create payment intent → triggers card provisioning |

| proxy.intents.list | List all payment intents |

| proxy.intents.get | Get intent details + card info |

| proxy.cards.get | Get card details (masked) |

| proxy.cards.get_sensitive | Get full PAN, CVV, expiry for payment |

Account Management

| Tool | Purpose |

|------|---------|

| proxy.balance.get | Check available spending power |

| proxy.funding.get | Get deposit instructions (ACH/wire/crypto) |

| proxy.user.get | Get user profile |

| proxy.kyc.status | Check KYC verification status |

| proxy.kyc.link | Get link to complete verification |

Transactions

| Tool | Purpose |

|------|---------|

| proxy.transactions.list_for_card | List transactions for a card |

| proxy.transactions.get | Get transaction details |

```

┌─────────────┐ ┌─────────────┐ ┌─────────────┐

│ Check │ │ Create │ │ Policy │

│ Balance │ ──▶ │ Intent │ ──▶ │ Check │

└─────────────┘ └─────────────┘ └──────┬──────┘

│

┌─────────────────────┼─────────────────────┐

▼ │ ▼

┌─────────────┐ │ ┌─────────────┐

│ Auto │ │ │ Needs │

│ Approve │ │ │ Approval │

└──────┬──────┘ │ └──────┬──────┘

│ │ │

▼ │ ▼

┌─────────────┐ │ [Human Reviews]

│ Card │ │ │

│ Issued │◀─────────────┴─────────────────────┘

└──────┬──────┘

│

▼

┌─────────────┐

│ Get Card │

│ Details │

└──────┬──────┘

│

▼

┌─────────────┐

│ Make │

│ Payment │

└─────────────┘

```

| Status | Meaning | Action |

|--------|---------|--------|

| pending | Card ready to use | Get card details, make payment |

| pending_approval | Awaiting human approval | Inform user, wait |

| approved | Approved, card being issued | Wait for card |

| card_issued | Card provisioned | Get card details |

| matched | Transaction completed | Done |

| mismatched | Transaction didn't match | Review |

| rejected | Approval denied | Inform user |

| expired | Intent expired | Create new intent |

User says: "Buy a $50 Amazon gift card"

```

Step 1: proxy.balance.get

→ { availableBalance: 500.00, currency: "USD" }

Step 2: proxy.intents.create

→ { merchant: "Amazon", amount: 50.00, description: "Gift card purchase" }

→ { id: "int_abc123", status: "pending", cardId: "card_xyz" }

Step 3: proxy.cards.get_sensitive

→ { cardId: "card_xyz" }

→ {

pan: "4532015112830366",

cvv: "847",

expiryMonth: "03",

expiryYear: "2027",

billingAddress: { zip: "10001", ... }

}

Step 4: Use card at Amazon checkout

```

| Error Code | Cause | Resolution |

|------------|-------|------------|

| POLICY_REQUIRED | No policy assigned to agent | Admin assigns policy in dashboard |

| ONBOARDING_INCOMPLETE | KYC not completed | Use proxy.kyc.link |

| INSUFFICIENT_BALANCE | Not enough funds | Use proxy.funding.get |

| FORBIDDEN | Permission denied | Check agent permissions |

Add to your agent's MCP config:

```json

{

"mcpServers": {

"proxy": {

"command": "npx",

"args": ["-y", "proxy-mcp-server"],

"env": {

"PROXY_AGENT_TOKEN": "your-token-here"

}

}

}

}

```

1. Proxy Pay account at [useproxy.ai](https://useproxy.ai)
2. Complete KYC verification
3. Fund account (ACH, wire, or USDC)
4. Create agent with spending policy
5. Generate token for MCP auth

1. Always check balance first before creating intents
2. Use descriptive descriptions for reconciliation
3. Handle pending_approval gracefully - inform users
4. Never log full card numbers - security risk
5. Set appropriate policies - limit blast radius