AgentCard — Quick Reference for AI Agents

Virtual debit cards you can use to pay for things online. Cards are funded with a fixed USD amount and work anywhere Mastercard is accepted.

When to Use AgentCard

  • You need to buy something online (API credits, domains, SaaS subscriptions, data, licenses)
  • You need a virtual card with a hard spending limit for a specific task
  • You need to make an x402 payment to access a paid HTTP resource
  • A human has asked you to purchase something and you need payment credentials

When NOT to Use AgentCard

  • You need to make a physical in-store purchase (these are virtual cards, CNP only)
  • You need recurring billing that auto-renews (cards are single-use)
  • You need to send money to another person (use a payment service instead)
  • The merchant requires 3DS/SMS verification (virtual cards may not support interactive auth)

Install

npm install -g agent-cards

Authenticate

agent-cards signup
# Enter your email, click the magic link in your inbox. Done.

Set up a payment method

agent-cards payment-methods setup
# Opens a Stripe page to save your card. Required before creating virtual cards.

Create a card

agent-cards cards create --amount 50
# Charges your saved payment method. Card details print in your terminal.

List your cards

agent-cards cards list

Get card details (PAN, CVV, expiry)

agent-cards cards details

Check balance

agent-cards balance

View transactions

agent-cards cards transactions

MCP Integration (Claude Code / Claude Desktop)

Run this to connect the MCP server:

agent-cards setup-mcp

This registers the following tools with your MCP client:

Core Tools

  • setup_payment_method
    params: {}
    Sets up a payment method for future card creation.
    Returns a Stripe checkout URL for the user to save their card details.
    Must be done once before creating any cards.

  • create_card
    params: { amount_cents: number, sandbox?: boolean }
    Creates a virtual card funded from the saved payment method.
    Limits: max $50 per card, max 5 cards/month (free plan).
    May return user_info_required — if so, call submit_user_info first.
    Use sandbox: true for testing without real charges.

  • submit_user_info
    params: { phone_number: string, terms_accepted: boolean }
    Submit phone number and terms acceptance required before first card creation.
    Call this when create_card returns a user_info_required response.

  • list_cards
    params: {}
    Returns all cards with ID, last four, expiry, balance, status.
    If empty, call create_card to issue a new one.

  • get_card_details
    params: { card_id: string }
    Returns decrypted PAN, CVV, expiry, balance.
    May require human approval — if so, prompt the user and call approve_request.
    Use only when you need to fill in a payment form. Prefer check_balance for balance checks.

  • check_balance
    params: { card_id: string }
    Returns current balance. Faster than get_card_details and does not expose credentials.

  • close_card
    params: { card_id: string }
    Permanently closes a card. Irreversible. Safe to call on already-closed cards.

  • list_transactions
    params: { card_id: string, limit?: number, status?: string }
    Returns transactions with amount, merchant, status, timestamps.
    Filter by status: PENDING, SETTLED, DECLINED, REVERSED, EXPIRED, REFUNDED.

  • approve_request
    params: { approval_id: string, decision: "approved" | "denied", action: "card_details" | "transaction", resource_id: string }
    Resolve a pending approval request. Required when get_card_details or create_card returns a 202.
    On approval, automatically completes the follow-up action and returns the result.

Chrome Extension Tools

  • pay_checkout
    params: { url?: string, amount_cents?: number, tab_id?: number }
    Auto-fill a checkout page with an AgentCard. Creates or reuses a card, fills the payment form.
    Requires Chrome with the AgentCard Pay extension installed.
    If not installed: npx agent-cards extension install

  • fill_card
    params: { card_id: string, tab_id?: number }
    Fill an existing card into the current checkout form.
    Requires Chrome with the AgentCard Pay extension.

  • detect_checkout
    params: { tab_id?: number }
    Check if the current browser tab is a checkout page.
    Returns detection confidence, detected amount, and scoring signals.

  • remove_payment_method
    params: { payment_method_id: string }
    Remove a saved payment method permanently.

Support Tools

  • start_support_chat
    params: { message: string }
    Start a new support conversation.

  • send_support_message
    params: { conversation_id: string, message: string }
    Send a message in an existing support conversation.

  • read_support_chat
    params: { conversation_id: string }
    Read the message history of a support conversation.

Typical flow

  1. Human runs: agent-cards signup
  2. Human runs: agent-cards setup-mcp
  3. Human sets up payment method via setup_payment_method (one-time)
  4. Agent submits user info via submit_user_info if first time (one-time)
  5. Agent calls create_card with amount_cents (e.g. 5000 for $50)
  6. Agent calls get_card_details to get the PAN, CVV, expiry
  7. Agent uses the card to pay for something online
  8. The card closes automatically after the first transaction (single-use)

Links

Website: https://www.agentcard.sh
npm: https://www.npmjs.com/package/agent-cards