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Purchase API by Agentcard Review

Purchase API by Agentcard provides a digital wallet for AI agents to perform online purchases using single-use virtual cards with controlled spending limits.

shipped Aug 25, 2026agentspaid
Domain rating41Monthly visits197/mo
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Purchase API by Agentcard — product screenshot

Why it matters

1Enables AI agents to make autonomous online purchases via a single API call.
2Offers single-use virtual Visa cards with scoped spend limits for secure transactions.
3Launched on August 25th, 2026, ranking #5 on Product Hunt for that day.
4Supports OAuth2 Client Credentials and Model Context Protocol (MCP) integration.

About Purchase API by Agentcard

Business Model
Subscription SaaS
Usage Pricing
$0 per order
Headquarters
Newark, DE, USA
Platforms
Web
Target Audience
AI developers and businesses utilizing agents for transactions

Pricing Plans

Companies
$5,000/mo
  • • No per-user or per-card fees
  • • Includes KYC compliance
  • • Real-time approval via mobile
Assemble it yourself
$30,000/mo
  • • Includes multiple vendor contracts and integration requirements

Cost Examples

  • • Every purchase earns a 1% interchange return

Leadership

Nischal Shetty
Ethan Bloch

Investors

Y Combinator

API Docs

Screenshots

overview

What is Purchase API by Agentcard?

Purchase API by Agentcard is an AI tool developed by Agentcard (company) that enables AI operators, developers, and businesses to integrate autonomous online purchasing capabilities into AI agents. It allows AI agents to convert plain-text requests into placed orders at various online merchants using single-use virtual Visa cards with controlled spending limits.

features

Key Features of Purchase API by Agentcard

Purchase API by Agentcard offers a suite of features designed to facilitate secure and autonomous online purchases by AI agents. These capabilities streamline the integration of payment functionalities into AI products and ensure controlled spending.

  • Agent-first card issuing for autonomous AI agent transactions.
  • Real-time approvals for purchases via mobile interfaces.
  • 1% interchange on every settled purchase, providing a return to users.
  • Tokenback rewards program for users.
  • Secure card management for both human users and AI agents.
  • Issuance of single-use virtual cards with scoped spend limits.
  • Instant 1:1 expense tracking with no reconciliation issues.
  • Support for OAuth2 Client Credentials for API authentication.
  • Integration with Model Context Protocol (MCP) for direct payment tool calls.
  • Wallet funding support via Apple Pay or Google Pay from the user interface.

use cases

Who Should Use Purchase API by Agentcard?

Purchase API by Agentcard is primarily designed for entities that require AI agents to perform autonomous online transactions securely and efficiently. Its capabilities address specific needs within the AI development and operational landscape.

  • AI operators and Developers: For integrating payment capabilities into AI products and chat applications, enabling agents to buy SaaS tools, API credits, and datasets.
  • Businesses building AI products: To allow AI agents to make autonomous online purchases from various merchants like Amazon, Walmart, and DoorDash.
  • Companies needing agents to buy things: For issuing single-use virtual cards with scoped spend limits for agent transactions, such as ordering groceries or booking travel.
  • Individual users of AI agents: For managing their and their agents' cards securely, facilitating transactions without revealing sensitive card details.

how to use

How to Use Purchase API by Agentcard

To begin using Purchase API by Agentcard, developers can integrate the API into their AI applications to enable agents to make purchases. The process involves setting up authentication and then making API calls to initiate transactions.

  • 1Sign up for an Agentcard account and access the developer dashboard.
  • 2Obtain API keys or configure OAuth2 client credentials for authentication.
  • 3Integrate the Purchase API into your AI agent's codebase using the provided API documentation at https://docs.agentcard.sh/companies/api/reference.
  • 4Issue single-use virtual cards with defined spend limits for specific agent tasks.
  • 5Make a POST request to the API with a plain-text description of the desired item for the agent to purchase.
  • 6Monitor automated purchases and expense tracking through the Agentcard dashboard.

pricing

Purchase API by Agentcard Pricing & Plans

Purchase API by Agentcard offers tiered pricing plans primarily for organizational use, with a focus on subscription-based access. The platform operates on a zero-prefunding model for virtual card issuance, with usage pricing for orders set at $0.

  • Companies: $5,000/month for organizational access and features.
  • Assemble it yourself: $30,000/month for more extensive customization and integration capabilities.
  • Usage Pricing: $0 per order, with a 1% interchange return on every settled purchase.

Pros

  • +Enables autonomous online purchases by AI agents with a single API call.
  • +Utilizes single-use virtual Visa cards with controlled spending limits for enhanced security.
  • +Operates on a zero-prefunding model, eliminating the need for upfront capital in a wallet.
  • +Offers a self-serve setup process, significantly faster than traditional enterprise card-issuing platforms.
  • +Provides instant 1:1 expense tracking, simplifying reconciliation for agent-driven transactions.
  • +Integrates natively with Model Context Protocol (MCP) for direct payment tool calls by AI clients.

Cons

  • −Pricing tiers are relatively high, with the 'Companies' plan starting at $5,000/month, potentially limiting access for smaller developers or startups.
  • −The platform's specific focus on AI agents may not be suitable for general corporate expense management needs.
  • −Requires integration via API, which necessitates developer resources and technical expertise.
  • −Limited public information on the specific AI models utilized for converting plain-text requests into orders.

Similar Tools

Purchase API by Agentcard vs Competitors

Purchase API by Agentcard is positioned as a specialized solution for AI agent payments, differentiating itself from broader financial infrastructure and general virtual card providers through its agent-first design and operational model.

1
Privacy.com↗

Privacy.com allows users to generate virtual cards with spending limits and merchant-specific locking, ideal for controlling automated spending.

While Privacy.com offers robust virtual card generation and management, its API access is primarily for business tiers, and it's not explicitly designed for 'AI agents' but rather for general secure online spending. It requires a US bank account.

2
Lithic↗

Lithic provides a developer-first API for issuing virtual and physical cards, offering fine-grained control over card programs and transactions.

Lithic is a more comprehensive card issuing platform, offering greater flexibility and control over the entire card lifecycle via API, which might be more complex than Agentcard's simpler digital wallet for agents. It's designed for businesses to issue cards, not necessarily for individual agents to use.

3
Open-source virtual card solutions (self-hosted)↗

These solutions offer the underlying code to build a custom virtual card system, providing complete control and flexibility over implementation and security.

This option requires significant development effort and infrastructure to set up and maintain, unlike Agentcard which is a ready-to-use hosted service. The trade-off is complete control and no recurring fees, but at the cost of time and technical expertise.

See every Purchase API by Agentcard alternative, compared→

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