AgentPay — Agentic Commerce Payment Authorization & Spending Controls for SMBs
AI agents are spending money. They're calling paid APIs, subscribing to SaaS tools, purchasing inventory, booking travel, and procuring supplies — all on behalf of humans and businesses. But payment systems were designed for humans clicking "buy" buttons. There's no concept of:
The Problem
AI agents are spending money. They're calling paid APIs, subscribing to SaaS tools, purchasing inventory, booking travel, and procuring supplies — all on behalf of humans and businesses. But payment systems were designed for humans clicking "buy" buttons. There's no concept of:
- Agent-level spending limits (this agent can spend max €500/day on this category)
- Human-in-the-loop approval workflows for transactions above thresholds
- Agent-specific virtual cards with real-time controls
- Audit trails showing which agent, prompted by what, spent what and why
- Anomaly detection when an agent starts spending outside its expected patterns
A sales agent that's supposed to send emails but starts purchasing LinkedIn Premium subscriptions. A procurement agent that was given API access but autonomously upgrades to enterprise tiers. A coding agent that signs up for paid services. There's no financial guardrail layer purpose-built for the agent economy.
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