3 API calls. That's it.

Init. Fund. Spend.
Your agent has money.

Single-use virtual cards that self-destruct. No KYC. No dashboard. No SDK. Just six endpoints and an API key.

Get started free → See the flow

Single-Use Cards

Every card is created for an exact amount. Used once, then destroyed. No persistent card numbers floating around. Balance reserved instantly — overspend is impossible.

Use Once, Then Gone

Every card self-destructs after a single use. No reuse, no lingering card numbers, no attack surface. Unused cards auto-refund on expiry. Zero waste.

Any Agent, Any Stack

Works with Claude, GPT, Codex, open-source agents — anything that can make an HTTP request. No SDK to install. Just curl and go.

The whole product

Three API calls. Then repeat.

Create an account. Fund it. Spend with disposable cards. That's the entire loop. No onboarding flow, no KYC, no waiting.

01

POST /init

Create an account. Get your API key. It's shown exactly once — save it immediately.

02

POST /fund

Generate a checkout link. Hand it to a human. Balance arrives automatically via webhook.

03

POST /spend

Create a single-use card for the exact amount. Balance reserved immediately. Card details returned once.

the full flow
# 1. Create account — API key returned once, save it
curl -s -X POST https://agent-pay.sh/init
# → {"api_key": "ap_live_abc123..."}
# 2. Fund the balance — returns checkout URL for a human
curl -s -X POST https://agent-pay.sh/fund \
-H "Authorization: Bearer $AGENTPAY_KEY" \
-H "Content-Type: application/json" \
-d '{"amount": 50.00}'
# → {"checkout_url": "https://whop.com/checkout/..."}
# 3. Check balance
curl -s https://agent-pay.sh/balance \
-H "Authorization: Bearer $AGENTPAY_KEY"
# → {"available": 50.00}
# 4. Spend — creates a single-use card, reserves funds instantly
curl -s -X POST https://agent-pay.sh/spend \
-H "Authorization: Bearer $AGENTPAY_KEY" \
-H "Content-Type: application/json" \
-d '{"amount": 12.99, "memo": "openai api credits"}'
# → {"pan": "4111...", "cvv": "123", "exp": "12/26", ...}
# Card self-destructs after use or in 20 minutes
Why AgentPay

Built different. On purpose.

Most agent payment tools give you a dashboard, an SDK, persistent cards, and a compliance headache. AgentPay gives you six endpoints and cards that don't survive long enough to leak.

AgentPay

How we do it

Single-use cards. Exact-amount reservations. Automatic refunds. A surface area so small it fits on a napkin.

  • Single-use, self-destructing cards
  • Exact amount reserved — no overspend
  • 20-min default expiry, auto-refund unused
  • No KYC required
  • 6 endpoints. That's the whole API
  • Card details returned once, never again
Others

What you don't need

Persistent card numbers. Dashboard-first design. Bloated SDKs. KYC flows. Compliance theater for a $12 API purchase.

  • Persistent cards that can be reused or leaked
  • Dashboard you'll never open
  • SDK with 47 methods you don't need
  • KYC flow for an agent buying API credits
  • Transaction history endpoints (attack surface)
  • Card cancellation workflows
API Reference

Six public endpoints. Zero bloat.

Every endpoint an agent needs. Nothing it doesn't.

POST

/init

Create account, get API key (shown once).

GET

/balance

Check available balance.

POST

/fund

Create checkout link for human to pay.

POST

/spend

Create single-use card for exact amount.

GET / POST

/expiration

Get or set default card expiry (1–1440 min).

GET

/cards

List cards (redacted — no PAN, no CVV).

Product rules

Strict by default. Predictable by design.

The API is intentionally narrow. The behavior is intentionally strict. Your agent can reason about it because there are no surprises.

Secrets

Shown once, gone forever

API keys come from /init. Card details come from /spend. Neither endpoint ever repeats that information.

  • API key returned once at init
  • Card PAN/CVV returned once at spend
  • /cards list is always redacted
  • No card detail lookup endpoint exists
Lifecycle

Create → use → destroy

Every card follows the same lifecycle. Balance is reserved at creation. Unused funds refund automatically at expiry.

  • Balance reserved immediately on card create
  • Card destroyed after first use
  • Unused amount auto-refunded at expiry
  • Default 20-min expiry (configurable 1–1440)
Get started

Running in under 60 seconds.

Install the skill, or just hit the API directly. No signup form. No email verification. One POST and you're live.

cli npm install -g agentpay-cli
skill npx skills add https://github.com/steve-cooks/agentpay --skill agentpay
Get started free → Read the full API docs