Skip to content
PAYENCE

Give AI Agents Their Own Financial Layer.

Equip autonomous agents with controlled spending, virtual cards, payment policies and real-time transaction visibility from one platform.

Get StartedView Documentation
payence · agent activitylive

Every request checked against policy. Every charge written to the ledger.

Virtual Card

Active

Payence

Agent issued

5412 •••• •••• 4417

Limit$2,500 / mo
Vantage
Card colour

Example card. Type your own name on it, pick a network and a colour.

Merchant allowlist4 allowed
  • OpenAI
  • AWS
  • Vercel
  • Datadog
Add back

Merchant: the card clears at this payee and nowhere else.

Card protection

Freeze instantly to block every agent payment.

41,280
Agents funded
38 ms
Authorization p50
0 →
Cards on shared keys
The gap

AI agents can act.
Now they can pay.

An agent can read a contract, pick a vendor and file the ticket. Then it reaches the payment screen and stops, because the only options are a shared company card or a key in an environment variable. Payence replaces both with a card the agent owns, bounded by a policy it cannot argue with.

01
Reason
Plans the work and picks the vendor
02
Execute
Calls the API and files the task
03
Pay
Blocked, until the card is its own

agent activity

Live

  • procurement-agent

    openai.com · $20.00

    Approved12:04:21

  • research-agent

    aws.amazon.com · $48.00

    Approved12:04:08

  • ops-agent

    unknown-vendor.io · $310.00

    Blocked12:03:52

  • billing-agent

    vercel.com · $29.00

    Approved12:03:30

Sample activity

Product

One console for every card your fleet carries.

PAYENCE· agent activity
Live
Agent
procurement-agent
Virtual card
•••• 4417
Task
Renew API quota
Spending limit$1,609 / $4,000
Merchant allowlist
  • openai.com
  • aws.amazon.com
  • vercel.com
  • datadoghq.com
  • everything else
Transaction status

openai.com

$20.00

Approved

aws.amazon.com

$48.00

Approved

unknown-vendor.io

$310.00

Blocked

merchant not in allowlist → declined at the network

Capabilities

Four things a card for a machine has to do.

01

Instant Card Issuance

Create and fund virtual cards for AI agents instantly.

Issued0.8 s ago

•••• •••• 4417

procurement-agent

02

Network Enforced Controls

Restrict merchants, control budgets and enforce spending boundaries.

Budget$1,609 / $4,000
  • openai.comallowed
  • aws.amazon.comallowed
  • unknown-vendor.iodenied
03

Real-Time Agent Spend

Monitor every transaction across agents and virtual cards.

Spend · 7d+12%
MonSun
04

Audit Logs

Track every transaction back to the agent, task, policy and approval.

Audit trail
  1. taskRenew API quota
  2. policypol_procure_2500
  3. approvalauto · under threshold
  4. settled$20.00 · openai.com
Developers

Developer-First
Payment APIs

Two calls to put a bounded card in an agent's hands. Idempotent REST, typed SDKs, signed webhooks, and a sandbox that returns the same errors production does.

POST/v1/cards
Issue a virtual card
POST/v1/policies
Set ceilings and thresholds
PATCH/v1/policies/:id
Lock the card to merchants
GET/v1/ledger
Read the audit trail
POST/v1/webhooks
Subscribe to decisions
MCPnpx @payence/mcp
Hand the tools to the agent
issue-card.tsNode · SDK v2
const agent = await payence.agents.create({  name: "procurement-agent"}); const card = await payence.cards.issue({  agent: agent.id,  limit: 2500,  merchant: "openai.com"});

31 ms

issue

REST

+ webhooks

TS · PY · GO

sdks

MCP

server

Platform

Payment Infrastructure Built For Agents

Instant Card Issuance

A card exists the moment the agent does, funded from the balance you already keep.

procurement-agent

•••• 4417

active

research-agent

•••• 8820

active

ops-agent

•••• 1093

frozen
Core controls

Six limits, enforced before the charge clears.

  • 01

    Merchant Restrictions

    Cards clear at the merchants you named and nowhere else.

  • 02

    Spending Caps

    A ceiling per agent, per card and per authorization.

  • 03

    Human Approval Thresholds

    Above the line you set, a person signs before the money moves.

  • 04

    Self-Destructing Cards

    One task, one card, expired the moment the task closes.

  • 05

    Fleet Kill Switch

    One call freezes every card the fleet holds.

  • 06

    Audit Logs

    Agent, task, policy and approver, chained to every charge.

AI agents shouldn't stop at the payment screen.

Give autonomous systems the financial infrastructure they need to complete the work.

Spending monitor

Every charge, the second it clears.

transactions · today

Live

  • OpenAI API

    procurement-agent · 12:04:21

    -$20

  • AWS

    research-agent · 11:52:09

    -$48

  • Vercel

    billing-agent · 11:31:44

    -$29

  • Datadog

    ops-agent · 10:58:17

    -$12

Settled today$109.00
Remaining budget

$2,391

of $2,500 monthly cap

Burn · 12hsteady

Sample figures

Policy engine

The rules live
outside the model.

A policy is a document, not a paragraph in a system prompt. It decides what an agent may spend, which card it holds, where that card clears, what needs a human, and who sees the charge, and it is evaluated on our side, every single time.

Evaluated pre-authVersionedImmutable log

pol_procure_2500

v4 · active
  • Agent spend$4,000 / month · $500 per authorization
  • Card isolationOne card per agent, never pooled
  • Merchant restrictions4 allowed · everything else declined
  • Approval queueOver $500 → human sign-off
  • Transaction visibilityStreamed to finance in real time

last decision · 12:03:52 · declined unknown-vendor.io · merchant not in allowlist

FAQ

Questions, answered.

  • Every agent gets a policy: a ceiling per month and per authorization, a list of merchants it may pay, and a threshold above which a person signs off. The policy is evaluated on our side before the charge clears, so an agent cannot talk its way past it.

The Financial Layer For AI Agents.

Build autonomous systems that can spend safely.

Sandbox keys in one email. No card required.