Frequently Asked Questions
Everything you need to know about giving your AI agent a virtual card.
Getting Started
What is AgentCard?
AgentCard lets your AI agent buy things online with its own virtual card. Your agent can run the entire flow itself — sign up, request a card, retrieve the details, and make a purchase — or you can do it on your agent's behalf. Either way, the card works at supported online merchants that accept card payments.
Is there a waitlist for AgentCard?
No. AgentCard removed its waitlist — signup is open to everyone and nobody has to approve your account. Install the CLI with "npm install -g agentcard", run "agentcard signup --email you@example.com", and click the magic link. You can be set up the same day.
How do I get started?
Install the CLI with "npm install -g agentcard", run "agentcard signup --email you@example.com" and click the magic link, then run "agentcard setup" to save a payment method. That takes about 30 seconds. New accounts also complete a one-time identity check before their first purchase — run "agentcard identity" to start it.
Do I need to verify my identity (KYC)?
Yes, once. New direct accounts complete a one-time identity check before their first purchase — this is a regulatory requirement for issuing cards, so we can't skip it. Run "agentcard identity" and the CLI opens a hosted verification link if one is needed. Installing the CLI, signing up, and running setup all happen before this step. Grandfathered accounts and manually provisioned partner accounts are exempt.
How much does AgentCard cost?
Signing up is free and there are no monthly fees or subscriptions. You fund each card when you request it, up to $150 per card. When you request a card we place a temporary hold on your saved payment method — you're only charged if a merchant actually uses the card, and unused holds release within 7 days.
How It Works
Is this a real card?
Yes. AgentCard issues real virtual cards accepted at supported online merchants. These are the same cards you'd get from any card issuer — just optimized for AI agents.
How does my AI agent use the card?
Your agent can run the AgentCard CLI directly to create a card and retrieve the details itself — no manual handoff needed. Alternatively, you can retrieve the card details and share them with your agent. Either way, the agent uses the card number, expiry, and CVV to complete purchases.
Which AI agents work with AgentCard?
All of them. Claude Code, Cursor, Devin, OpenAI Codex, GitHub Copilot, Windsurf, ChatGPT, Gemini, your own custom agents — if it can browse the web or call an API, it can use an AgentCard.
Can I use AgentCard with Claude Code or Cursor?
Yes. AgentCard works natively with Claude Code, Cursor, and any MCP-compatible client. Install the CLI, request a card, and your agent can retrieve card details directly. AgentCard also exposes a skill endpoint at agentcard.ai/skill for AI-native integrations.
Where are AgentCard cards accepted?
AgentCard cards are accepted at supported online merchants that accept card payments, including services like Vercel, GitHub, Figma, AWS, Namecheap, Amazon, and DoorDash.
Security & Spending Limits
What if my agent goes rogue and overspends?
It can't spend more than you issued. Each AgentCard is a single-use virtual card capped at the amount you requested — ask for $25 and $25 is the hard ceiling. Three further limits sit on top: a $150 maximum per card, an account-level spend limit (default $100, adjustable with "agentcard limit"), and a hard $200-per-day ceiling for normal direct accounts that the CLI cannot raise. You can also cancel an unused card instantly.
How do I set spending limits on my AI agent?
Request each card for exactly the amount the task needs — that per-card amount is the hard ceiling your agent cannot exceed. For account-wide control, run "agentcard limit --amount <dollars>" to set your account-level limit. Normal direct accounts also have a $200 daily ceiling that applies regardless. Issue separate cards per task or per agent to keep budgets isolated.
Is my card data secure?
Yes. AgentCard is built by Alchemy. Card details (PAN, CVV) are encrypted at rest with AES-256-GCM. Authentication uses HTTPS-only session tokens. We never sell your data to third parties.
Can I freeze or cancel a card?
Yes. You can freeze or revoke any card instantly from the CLI. Once frozen, all future transactions are declined immediately.
Future & Integrations
What is Visa Intelligent Commerce?
Visa Intelligent Commerce is Visa's initiative for AI-initiated transactions. It uses tokenized payment credentials scoped to specific merchants and transaction types, so an agent's payment method can't be used outside its intended context. AgentCard will be integrating Visa Intelligent Commerce as it becomes broadly available.
What is MasterCard Agent Pay?
MasterCard Agent Pay enables secure, scalable AI agent transactions within regulated banking frameworks. In March 2026, MasterCard and Santander completed Europe's first live end-to-end AI agent payment. AgentCard will support MasterCard Agent Pay as the protocol rolls out.
Will AgentCard support native agentic payment protocols?
Yes. We're actively working on integrating both Visa Intelligent Commerce and MasterCard Agent Pay. These protocols will add tokenized credentials, merchant-level controls, and network-enforced policies on top of the virtual card model. Stay tuned for announcements.
Billing, Refunds & Crypto
What payment methods are accepted?
You save a credit or debit card during "agentcard setup", through a Stripe Checkout setup session. No charge is made at setup. When you request a card we place a hold on that saved payment method for the requested amount.
Am I charged when I request a card?
No. Requesting a card places a temporary hold on your saved payment method, not a charge. You're only charged for what a merchant actually captures. Cards are live for 7 days, and unused holds release back to your payment method within that window. Run "agentcard request cancel <id>" to close an unused card and release its hold immediately.
Does AgentCard support crypto or USDC?
Yes, for agent-to-agent payments. Every account gets a Base USDC wallet for x402 payments, managed with "agentcard wallet info", "agentcard wallet balance", and "agentcard wallet send". Card requests themselves are funded by your saved card, not the wallet.
Can I get a refund?
Yes. Because card requests are holds rather than prepaid balances, cancelling an unused card releases the hold immediately, and unused holds expire on their own within 7 days. For anything already captured by a merchant, email support@agentcard.ai.
Can I increase a card's amount after issuing it?
No. Each card is single-use and issued for a fixed amount, up to $150. If you need more, cancel the unused card and request a new one with "agentcard request new --amount <dollars>".
Still have questions?
Check out the quickstart docs or get started in about 30 seconds.
npm install -g agentcard